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Loan Protection Options

Life’s uncertainties can jeopardize financial security. Find peace of mind with Advia Credit Union’s comprehensive Loan Protection Options, tailored for borrowers in Michigan, Wisconsin, and Illinois.

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Discover loan protection plans designed to safeguard your investments.

Debt Protection

Safeguard your loan balance or payments against death, disability, or involuntary unemployment.

Payment Protection Icon

Add debt protection during the application process or within 180 days after signing for your loan¹
Cancel or defer payments on your loans
Protect your credit against delinquency reporting

Mechanical Breakdown Protection

Shield your finances against costly unforeseen auto repairs not covered by existing insurance.

Repair

Add to new Vehicle Loan at closing or any time after¹
Additional coverage outside most warranties
Have peace of mind with roadside assistance, rental car allowance and more

Guaranteed Asset Protection (GAP)

Protect your finances if the value of your vehicle is less than the amount of your vehicle loan.

Add to new or previous qualified loan¹
Get discounts with Advantage Plus Rewards²
Coverage includes Standard Vehicles, Power Sports, Watercraft, and RVs

Depreciation Protection Waiver (DPW)

If your vehicle is deemed a total loss, DPW covers the difference between its original price and loan balance.

Loan Discounts Icon

Add DPW anytime during your loan term¹
Receive a discount with Advantage Plus Rewards²
Ideal if you put money down or make accelerated loan payments

Loan Protection Options FAQs

Debt Protection cancels or pauses loan payments during unexpected events, ensuring financial stability.

Mechanical Breakdown Protection covers repairs for engine, transmission, and electrical systems after your warranty expires.

GAP covers the difference between your insurance payout and remaining loan balance after a total loss.

A Depreciation Protection Waiver or DPW is the reverse of GAP — perfect for vehicles that hold value longer.

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Do you have more questions about Loan Protection Options?

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Not available on Lease Loans.
Must be qualified for Advantage Plus Reward Status at time of purchase to receive discount.