Guaranteed Asset Protection- GAP

It's almost like a safety belt for your auto loan.

Protection that picks up where regular insurance leaves off

Accidents happen

GAP¹ coverage kicks in if your car is damaged beyond repair or stolen and never recovered.

Financial relief

Payments cover the difference between your insurance payout and what you still owe on your auto loan.

Works with any vehicle

Protection can be purchased for vehicles of all ages, all models and any mileage.

Easy payments

GAP fees can be rolled into your monthly Partner Colorado Credit Union auto loan payment.

GAP Advantage

For a little extra, you can also qualify for a payout of $1,000 toward the purchase of a replacement vehicle.

We can prevent a big dent in your budget

Here's some insight your insurance agent might not share with you: Cars, trucks and SUVs lose value quickly. So if your vehicle is stolen or totaled in a crash, chances are good your insurance will cover only the current market value - and that could be far less than you still owe on your loan. Guaranteed Asset Protection fills in that gap, so that you don't have to keep paying for a vehicle you no longer drive.

GAP Features and Benefits

60-day refundable "free look" period

Avoid financial hardship and afford a replacement vehicle

No model, mileage or year restrictions

May prevent a deficiency balance from being added to your new loan

May help protect your credit rating

$1,000 toward the financing of a replacement vehicle

GAP Advantage

In the event your vehicle is stolen and never recovered or damaged beyond repair, GAP Advantage² provides you with a $1,000 credit towards purchasing a replacement vehicle financed with Partner Colorado.

Mechanical Breakdown Plans

Get coverage for expensive repairs on your older car or truck.

  • Work with our partner.
  • Three levels of coverage.
  • Valuable and affordable.

Auto Insurance

You're in the driver's seat with the TruStage® Auto Insurance Program.*

  • The more cars you have, the more you'll save with a multi-car discount
  • Earn discounts for continuous years of claims-free driving
  • Your rates won't rise due to your first accident²
  • File or manage a claim 24/7

Resources to move you ahead.

Resources to move you ahead.
Why You Should Get Preapproved For An Auto Loan

Don’t miss out on  your dream car.

Learn More: Why You Should Get Preapproved For An Auto Loan
How To Avoid Auto Warranty Scam

Don’t get fooled by warranty scams.

Learn More: How To Avoid Auto Warranty Scam
Calculate A Vehicle Payment

Discover how much car you can afford.

Learn More: Calculate A Vehicle Payment
Online Bill Pay

Pay your loans on time and avoid fees.

Learn More: Online Bill Pay

GAP waives amounts up to the maximum approved Loan-to-Value (LTV) limits. A claim must be filed within 60 days from the date of the primary carrier's settlement.


To obtain the additional GAP Advantage benefit, a replacement vehicle must be financed at your institution within 90 days and a claim for the Advantage benefit must be filed within 95 days from the date of loss or date of primary carrier's settlement.

Full terms and conditions available upon request.