Loan Protections



Loan Payment Protection Options

Get the coverage you need to protect your family and your financial well being. We offer our members a range of affordable coverage and protection plan options!

GAP Plus

If your car is totaled in an accident or stolen and is deemed a total loss, many insurance companies may only pay the cash value of your vehicle at the time of the loss—leaving you stuck with the balance of the loan to pay. Guaranteed Asset Protection (GAP) pays the balance on your loan in the event your vehicle is a total loss. PLUS, Auto Deductible Reimbursement! Deductible Assistance is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe. Moreover, it helps you get into your next vehicle by reducing your next loan at the credit union by $1,000 or more.

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Credit Life/Disability Insurance:

Life happens and circumstances change without notice.  In the event of a disability, or loss of life, our protection plans can help relieve the financial stress related to making loan payments when life throws you the unexpected. Ask yourself, how would I pay the loan payment if I had a reduced income on disability or if I were to pass away and no income was coming in?  This program is available to protect you and your family on any Novartis FCU loan including Visa Credit Cards.

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