Guaranteed Auto Protection (GAP)

What is GAP?

Are you thinking about taking advantage of Langley Federal Credit Union's low auto loan interest rates?

Before you buy that new car, consider purchasing Guaranteed Auto Protection (GAP). GAP protects you financially in the event of a total loss resulting from theft, fire, collision, or acts of Mother Nature.

GAP can be financed in your Langley auto loan, or you can purchase it up to 18 months after the date of your loan.

GAP will cover the difference between your loan payoff and the insurance company settlement. Your loan balance will be paid in full.

The primary insurance deductible is waived only to the extent it is part of the GAP amount. Any portion of the deficiency balance caused by the borrower's deductible will be reimbursed up to $1,000 where permitted. This coverage is not available in all states.

Without protection, you may be left without a car. You could experience out-of-pocket expenses or negative equity on your car loan, if you're involved in an auto accident.

In the event of a paid claim, you are also eligible to receive an additional $1,000 toward the purchase of a new vehicle, within 90 days, if you finance the new vehicle with Langley Federal Credit Union.

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Langley Insurance Agency (Langley Financial Services, LLC) is an affiliate of Langley Federal Credit Union (LFCU). Business conducted with Langley Insurance Agency is separate and distinct from any business conducted with the credit union. Remember that any insurance required as a condition of the extension of credit by LFCU need not be purchased from Langley Insurance Agency, but may, without affecting the approval of the application for credit, be purchased from an agent or insurance company of the member's choice.

Insurance products are not deposits of LFCU and are not protected by the NCUA. They are not an obligation of or guaranteed by the credit union and may be subject to risk. If you have any concerns or complaints regarding this relationship, you may contact the VA Office of Consumer Affairs, or the insurance department of your state. For information on how to contact them, you may call us.

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