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Lending Services

Lending Services

Loan Payment Protection

Mechanical Breakdown Protection

Your vehicle is not only an investment; it's your transportation lifeline. By choosing coverage offered by ATFCU through ASG Results, you can extend the life of your vehicle and ensure your peace of mind knowing that you are protected against costly mechanical and electrical repairs for the full term of your loan.

Four levels of protection are offered giving you affordable options to reduce your out-of-pocket expenses should a mechanical breakdown occur. Your loan officer will provide a brochure showing coverage levels.  Even if you're covered by a new car warranty, you'll want to consider this protection. The vast majority of costly mechanical and electrical failures occur AFTER the factory coverage has expired.  We think you'll find that our pricing is only a fraction of the dealership's for the same level of protection.

In addition to breakdown protection, all coverage plans also include the following valuable benefits:

  • Roadside Assistance for lock outs, flat tires, fuel delivery, and battery service.
  • Rental Vehicle Assistance in the event of a covered mechanical breakdown
  • Tire Road Hazard Coverage for the repair, or if necessary, the replacement of your tires damaged due to a road hazard
  • Trip Interruption Assistance if your breakdown occurs more than 100 miles from home and the repair facility must keep your vehicle overnight

Coverage plans are available for cars and light trucks. Repairs can be performed at any licensed repair facility in the United States or Canada. Claims are paid directly to the repair facility. You may transfer your coverage if you sell your vehicle before the contract expires.

Purchase of mechanical breakdown protection is optional and will not affect your application for credit. Your base loan interest rate is determined by credit worthiness and will be reduced by .20% with the purchase of this product. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan officer for a full explanation of the terms.

 

Credit Life and Credit Disability Insurance

Unexpected disability, serious illness or death can seriously affect a household's income and change their standard of living in an instant, making household financial commitments difficult to meet. Struggling to make loan payments on a reduced or lost income is a heavy burden which can be avoided by purchasing optional credit life and credit disability insurance.

In the event that the loan signer or co-signer* should pass away or be diagnosed with a terminal illness (life expectancy of 1 year or less) and the claim is payable, the entire loan balance may be reduced or paid off. Should the loan signer become disabled due to injury or illness, monthly loan payments may be paid until the disability is ended, the loan is paid or the policy maximum is reached.

Check with your loan officer for more details on optional credit life and credit disability insurance, including exclusions, limitations, and maximum benefits.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBERS CHOICE Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit. Your base loan interest rate is determined by credit worthiness and will be reduced by .20% with the purchase of credit disability coverage and/or .10% with the purchase of credit life coverage. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.

*Credit life benefits are paid upon the death or diagnosis of a co-signer if the co-signer is a spouse or business partner.

CDCL-1006307.1-0914-1016

 

Guaranteed Asset Protection (GAP) for Your Vehicle Purchase

You could lose more than your vehicle if it is stolen or involved in a major accident. Because most insurance policies only cover the value of your vehicle - something that rapidly declines during the first few years of ownership - your loan balance can be higher than the value of your vehicle. This situation is commonly called being "upside down" on a loan.

GAP helps protect the difference between your primary insurance carrier's Actual Cash Value determination and the payoff amount of your loan. Delinquent payments, late charges, refundable service warranty contracts, other insurance-related products, and interest charged after the date of loss will be deducted from the settlement. Here's an example of how GAP works:

Original Purchase Price..............$30,000
Loan Balance After One Year......$26,000
Insurance Settlement..................$23,000
Remaining Balance.....................$ 3,000 (GAP pays)

GAP provides peace of mind, convenience, confidence and significant savings. Enrollment is simple.  Your loan officer will be pleased to assist you.

Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Your base loan rate is determined by credit worthiness and will be reduced by .05% with the purchase of this product. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.

FDIC Equal Housing Lender
P.0. Box 5706, Abilene, Texas  79608