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Loan Protection

All NuMark loans provide the added security of Credit Life Insurance and Credit Disability Insurance. You receive the peace of mind of knowing you are protected.

Guaranteed Asset Protection (GAP)

There could be a big difference between what your insurance will pay and what you owe on your vehicle loan. Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference, or the “gap” between your insurer’s settlement and your loan balance. That gap will come out of your pocket for a vehicle that, for all practical purposes, no longer exists.

MEMBER’S CHOICETM GAP pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle. Purchasing MEMBER’S CHOICETM GAP could save you thousands of dollars, and you’ll avoid making loan payments on a car, truck or other vehicle that’s beyond repair, or stolen and not recovered.

Mechanical Repair Coverage (MRC)

As your vehicle gets older, the risk and cost of repairs increases. You may have to spend hundreds, even thousands, of dollars for unexpected mechanical and electrical repairs.

  • An engine replacement can cost $5,000 or more;
  • Transmission repairs range from $3,000 for an overhaul to $1,700 or more for a replacement;
  • An air conditioning compressor can cost $700 or more;
  • Even a part as small as an alternator can cost $550 for a replacement.

Our Mechanical Repair Coverage helps you avoid paying for unexpected repairs and it is transferable if you sell your vehicle.

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