DATCU Credit Union

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Guaranteed Auto Protection, or GAP, offers protection against unforeseen financial liability for individuals who finance a new or used vehicle. GAP protects against financial loss in the event that the vehicle is damaged beyond repair (“totaled”) or stolen and never recovered. For example, a “gap” occurs when the value of a new or used vehicle depreciates at a faster rate than the loan payoff balance (a new car begins depreciating the moment it is driven off the lot)! If the car is totaled or stolen, there may be a balance left on the auto loan.


GAP covers the difference between the actual cash value (ACV) of the car and the outstanding loan balance at the time of loss. (ACV is defined as the primary insurance company settlement, plus up to $1000 of the borrower’s deductible). GAP will cover a maximum loan term of 84 months. Any private passenger auto, light truck (1 ton or less), new and used vehicles, and refinanced loans are eligible for GAP protection.


  • GAP helps pay off your remaining loan/lease balance if your vehicle is stolen or damaged and is deemed to be a total loss.
  • GAP helps clear your credit allowing you to start fresh with a new vehicle purchase.
  • Most importantly, GAP is inexpensive and can be included as a small addition to your monthly payment.

Contact your loan officer for more information about Guaranteed Auto Protection.

DATCU Credit Union

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

DATCU Credit Union

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.