two men with broken down vehicle on roadside
Mechanical Breakdown Coverage

Breakdowns happen. Financial stress is optional.

Like a vehicle warranty, but better


Your vehicle is your transportation lifeline. Extend its life and protect your budget by selecting mechanical breakdown insurance.

Give yourself peace of mind

You’re covered for expensive repairs during the full life of your loan.

This coverage package continues to protect your investment post-warranty.
The vast majority of costly mechanical and electrical failures occur after the factory warranty has expired.

friends on road trip

I’m interested. Tell me more.


  • Eligible vehicles – autos and light trucks.
  • Four levels of protection available.
  • Repairs can be performed at any licensed repair facility in the US or Canada.
  • Direct payments are made to the repair facility.
  • Coverage can be transferred if you sell the vehicle before your contract expires.

Purchase of breakdown coverage is optional and will not affect your application for credit.1

Get Roadside Assistance When you Need it


There are four levels of protection to fit your budget. All plans provide reimbursement for these situations.

  • Young girl playfully hitchhiking

    Emergency Services

    • Lock-Out Assistance
    • Fuel Delivery Service
    • Flat Tire Assistance
    • Battery Service
  • Young women planning road trip

    Non-Emergency Services

    • Rental Vehicle Assistance
    • Tire Road Hazard Assistance
    • Trip Interruption Assistance

See Today's Vehicle Rates

New & Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2020 and newer

Loan Term

1-72 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2019

Loan Term

1-66 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2018

Loan Term

1-60 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2017

Loan Term

1 - 54 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2016

Loan Term

1 - 48 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2015

Loan Term

1 - 42 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2014 - 2011

Loan Term

1 - 36 months 

Interest Rates (APR*)

1.25%* to 13.00%

Mechanical Breakdown FAQs

As with many insurance questions, the answer is that it depends on the circumstances. Mechanical breakdown coverage is significantly less expensive than a manufacturer’s extended warranty. However, a breakdown coverage does have a deductible and a warranty may not require one. Ask questions (and read the small print) to find out which option is better for you.

There are four levels of protection offered. The base level includes the engine, transmission, drive axle, brake system, electrical system and air conditioning. The second level adds the steering and fuel systems.  

Ask your Loan Officer for a brochure showing the coverage levels.

No. Auto insurance only covers damage due to accidents or theft.

This coverage is only for mechanical systems. It doesn’t cover routine maintenance, or non-mechanical repairs such as trim or paint. Important point – it also does not cover major repairs due to poor vehicle maintenance.

Ask a loan officer for details

Visit a branch
Find a Location Near You
Text us

(325) 677-2274
If you know your loan officer’s name, please reference it in your message.

Call us

(325) 677-2274 or (800) 677-6770.

Ask for the Loan Call Center

Disclosures

1Your base loan interest rate is determined by credit worthiness and will be reduced by .20% with the purchase of Mechanical Breakdown Coverage.