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Auto Loan Payment Protection

When it comes to quality coverage for your auto loans, we’re your co-pilot. We offer options that can prove to be the right fit when you want to ensure an accident doesn’t leave you in financial straits.

GAP (Guaranteed Asset Protection)

GAP coverage pays the difference between your automobile insurance company’s settlement and the remaining loan amount in the event your vehicle is stolen or damaged beyond repair from an accident.


Credit Life Insurance

In the event of death, credit life insurance may pay off or reduce the remainder of your loan balance.* It is affordable to purchase, but priceless when you need it most.

Credit Disability Insurance

Credit disability insurance may pay your loan payments in the event you become temporarily or permanently disabled due to a covered illness or injury (up to $1000/month)*.

*Certain restrictions apply. Credit life and credit disability insurance is underwritten by American National Insurance Company (Home Office – Galveston, TX) and is available to credit union members in MO only. Exclusions, limitations and terms of availability apply to this coverage. For cost and complete details, please contact a 1st Financial personal banker.

Depreciation Protection (DPW)

Depreciation protection covers the depreciation of the vehicle. It is a debt cancellation product that in the event of a total loss, provides you a benefit equal to the difference between NADA Retail value of the vehicle at the time of coverage enrollment and the loan balance at the time of the total loss. The waiver benefit will not exceed the maximum benefit selected or the outstanding loan balance, whichever is less.

Depreciation Protection is ideal for those who:

  • Finance 90% or less and desire protection and peace of mind
  • Established equity in their vehicles with a down payment, rebate and/or trade in value

Product Highlights

  • Coverage can be purchased at anytime
  • 60 day free look period
  • No mileage or year restrictions
  • Accidental Death protection included

In the event the loan is refinanced, the DPW coverage terminates.


Vehicle Service Contracts

Protect your investment in your new/used car. Purchase a Vehicle Service Contract from 1st Financial.

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