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800-688-7228 Routing #314088284
Become a member

GAP Advantage

Quick Facts

What GAP Advantage does for you

Guaranteed Asset Protection (GAP) Advantage from Credit Human is designed to protect you from financial loss if your vehicle is damaged beyond repair or stolen.

  • May reduce or eliminate the difference or “gap” between your remaining loan balance and your insurance settlement, up to $50,000
  • May provide $2,500 toward financing your replacement vehicle with Credit Human
  • Coverage is a low, one-time $499 cost
  • Reduce the stress of encountering unexpected out-of-pocket expenses
  • Available on eligible Credit Human auto loans
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How it works

GAP Advantage fills the gap when insurance doesn’t pay enough

Here’s how GAP Advantage works if your car is totaled.

Step 1
Step 1
Purchase your vehicle

Finance your new or used vehicle with Credit Human

View auto loan options
Step 2
Step 2
Enroll in coverage

Select GAP Advantage coverage at the time of loan origination or within one year.

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Step 3
Incident occurs

If your vehicle is deemed a total loss (damaged beyond repair or stolen), your insurance company pays the market value of the vehicle.

Step 4
Step 4
GAP Advantage coverage kicks in

GAP Advantage may reduce or eliminate out-of-pocket expenses for the remaining loan balance after loss settlement (up to $50,000)

Get started

Ready to get started? Apply now for an auto loan.

We help our members buy the cars they want. Ask your Auto Loan Advisor about GAP Advantage coverage.
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Get resources

Protecting your assets protects your savings

When you protect your vehicle with GAP Advantage you are preventing unexpected debt if insurance doesn’t pay enough to help you get back on the road. Knowing your vehicle is covered reduces financial stress in the event your vehicle is totaled, because dealing with the aftermath of an incident is stressful enough.  See more ways you can reduce financial stress.

See more financial health resources
FAQ

GAP Advantage Frequently Asked Questions

Take a look at the most common questions we get about our GAP Advantage. If you have more general questions, or you’re looking for support options, check out our support center.
See more FAQs in our support center
Can I purchase GAP Advantage if I already bought my vehicle?
Yes. You can select GAP advantage coverage up to one year from the time your loan was originated.
Does GAP replace collision insurance?
No, GAP is not the same as liability or collision insurance. GAP covers the difference between your loan balance and insurance settlement, up to $50,000.
What types of losses will GAP cover?
Guaranteed Asset Protection Advantage or GAP from Credit Human is designed to protect you from financial loss if your vehicle is damaged beyond repair or stolen and not recovered.