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First Tech Routing #321180379

GAP Plus with deductible assistance

GAP Plus is like an airbag for your vehicle loan

Woman sitting on a couch opening a box.
Woman sitting on a couch opening a box.

Our Guaranteed Asset Protection (GAP) program can help cushion you and your family against sudden out of pocket expenses and goes beyond traditional GAP protection.



The second you drive your new vehicle off the lot it drops in value. More than 20% after one year.Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018. GAP Plus may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss. Plus, it helps you get into your next vehicle by reducing your next loan at the credit union.

Deductible AssistanceDeductible available for car, truck, van and SUV only. Not available for boats, motorcycles, or recreational vehicles.  is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If you have to file a claim with your insurance company for repairs on your auto the deductible will be reimbursed as a payment toward your loan balance, reducing the amount you owe.

Get GAP Plus with Deductible Assistance today so you can worry a little less about tomorrow.Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and 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 your loan amount 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.

More money in your pocket

  • Deductible Assistance for Non-Total Loss: Protects up to $500Deductible available for car, truck, van and SUV only. Not available for boats, motorcycles, or recreational vehicles.
  • Deductible Assistance for Total Loss: Protects up to $1,000Deductible available for car, truck, van and SUV only. Not available for boats, motorcycles, or recreational vehicles.
  • $1,000 credit toward replacement vehicle loan if financed through First Tech
  • Cost can be spread over life of your loan

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