We can help take stress out of unexpected events that might affect your finances.

DebtGuard1

This is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency or default if a protected life event unexpectedly happens to you. And, simple eligibility requirements ease the enrollment process.

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), DebtGuard will cancel or reduce repayment of your loan debt — helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other bills becomes challenging.

Protected events include loss of life (including those caused by acts of war), disability (including those caused by acts of war), and involuntary unemployment.

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Guaranteed Asset Protection Plus (GAP Plus)2

What is MEMBER’S CHOICETM GAP Plus?
It’s a way to help protect your vehicle loan. Many times, primary auto insurance settlements don’t pay off your loan balance. When you buy a new or used vehicle, there’s no way to  know if it will be stolen or totaled in an accident. With GAP Plus, you’re protecting your vehicle investment against a possible financial loss.

How does it work?
The fee can be included with your monthly payments or made separately by cash, check, charge, or possibly electronic funds transfer. If there’s a difference between what you owe on your loan and the value of your vehicle determined by your primary insurance company, GAP Plus will help cancel the difference based on the terms of your member agreement. By taking a few simple steps while signing your loan paperwork, you’re helping take responsibility for your financial future. Your loan officer can show you how.  You can cancel within 90 days for a full refund.

Why is it valuable?

New and used vehicles often depreciate rapidly and vehicle loans are typically getting longer in terms.  There may be a point where you owe more than it’s worth.  That’s where GAP Plus can kick in.  GAP Plus will help cancel the difference between the primary insurance settlement and what you may still owe.  In addition, if your vehicle is stolen or totaled in an accident, it will cancel $1,000 of your next loan with Vantage West when you purchase a replacement vehicle within 120 days of your primary insurance settlement.  GAP Plus helps you prepare for the unexpected.
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Mechanical Repair Coverage (MRC)

Avoid unexpected repair bills and towing, rental car reimbursement, and roadside assistance.  Ask for MRC when you fund your vehicle loan.
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1 Your purchase of Debt Guard is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  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 Debt Guard.  You may cancel the protection at any time.  If you cancel protection within 30 days you will receive a full refund of any fee paid.

2Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us.  Certain eligibility requirements, conditions, and exclusions may apply.  You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

DP, GAP, MRC-1365496.1-1215-0118

Updated: December 4, 2015