Let UCU ride shotgun. We promise you'll breathe easier behind the wheel.


Would you skydive without a parachute? Ride your bike without a helmet? Before even turning the key, the first thing most drivers do is fasten their seat belt. So why take out a car loan without doing the same?


At the end of the day, accidents happen. No matter how much you prepare, you can count on that. If your car insurance fails to deliver Plan B, you can count on us to help you pick up the pieces, and start your engine with peace of mind. If you find yourself in a bind because your car’s been stolen or totaled in a road accident, UCU's GAP Protection offers Auto Deductible Reimbursement and GAP Advantage.

  • While insurance companies may only be willing to pay the market price of your car, GAP Protection pays off your loan completely, covering your car in its full value.
  • We'll do more than just meet you halfway; we'll pay the difference between the amount your car insurance covers and the remaining balance on your auto loan depending upon terms and conditions.
  • Finance with us and rest easy knowing we’ll be there to pitch in when it’s time to replace your car by sending you a $1,000 credit toward purchasing your next vehicle*.
  • Coverage fees can be in the amount of your initial loan, so don’t worry about paying any out-of-pocket expenses.

With GAP Protection, we'll steer you in the right direction. No GPS needed. When you want to know more about the GAP Protection program, contact us at 800.UCU.4510.

Member Testimonial

"Creating this Trust has been one of my accomplishments for this year, and I feel really good about having these protections set up."

- Cathy B.