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

1

Talk to Us

Call a VyStar representative to learn more about GAP protection and find out if it’s right for you.

2

Gather Your Vehicle Information

All we need is your current mileage, loan balance, vehicle identification number and your car’s year, make and model.

3

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?

Many factors can cause a gap between your loan balance and your insurance coverage. This might be due to how you’re paying for your car, taxes, extra car add-ons, how fast your car loses value compared to paying back the loan, or if you rolled an old car loan into your new car loan.

How is GAP different than auto insurance?

Auto insurance covers the cost of repairs or replacement of the insured vehicle in case of an accident or other covered events. It may also provide liability coverage for injury or property damage to others. GAP, on the other hand, may minimize the gap between what is owed on the loan and what auto insurance will pay for if the vehicle is considered a total loss due to an accident or theft. Terms and conditions apply.

Can I transfer my GAP protection to another vehicle or loan?

Your GAP contract cannot be transferred to a different vehicle or loan. If you refinance your car or get a new one, you will have to get a new GAP contract.

What is not protected under GAP?

GAP does not cover:

• Your car payments in the event of financial difficulty, loss of employment, disability or death

• Rental car costs

Get Started

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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