GAP Protection
If your vehicle gets totaled or stolen, you may end up owing more than what insurance covers. With GAP protection, it gives you peace of mind by canceling your loan payments up to the contract maximum if you experience a protected loss.
Protection that may help fill in the gaps
Protection that is designed to help ease your burden if your car is stolen or totaled
Cost conveniently rolled into monthly auto payment
Refundable and a non-refundable options
More Protection Options
Getting Started with GAP is Easy
Talk to Us
Call a VyStar representative to learn more about GAP protection and find out if it’s right for you.
Gather Your Vehicle Information
All we need is your current mileage, loan balance, vehicle identification number and your car’s year, make and model.
Get Protection
Complete the process by phone or at any of our branches, so we can help you drive with the peace of mind you deserve.
GAP Protection FAQs
Do I need GAP protection?
How is GAP different than auto insurance?
Can I transfer my GAP protection to another vehicle or loan?
What is not protected under GAP?
Related Tools & Resources
Check out our Auto Loans
Whether you’re looking for a two-seater roadster or a new pickup truck, you can simplify the buying process by getting pre-approved for a VyStar auto loan.
Auto & Recreational Loans
Get low rates, quick decisions and low fees on auto loans, auto loan refinancing and loans for boats, RVs, motorcycles and ATVs.
Insure Your Car
Whether you’re buying your first car or you have a teenager preparing to drive for the first time, our customizable coverage helps you protect yourself and your loved ones.
GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
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