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We know that unexpected can happen at any time. Fortunately, the NIHFCU offers a great range of affordable options designed to protect your assets and your family…and help you gain some peace-of-mind.

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GAP - theft and total loss accident coverage

If you have a total loss accident, or your vehicle is stolen, our GAP coverage may help pay the difference between what insurance will cover and the amount you still owe on your NIHFCU loan.

Our program, with rates typically less than those found at dealers or other lenders, is an incredible value.

  • Costs of just $4503 for motor vehicles and $4193 for motorcycles.

  • Pay upfront or roll cost into your loan payment…equating to just cents per day.

  • Deductible assistance available for comprehensive and collision claims.

Don’t pay more than you have to for GAP coverage. View our digital brochure and then call us at 1-855-852-4748 to speak to an auto loan specialist.
Mechanical Repair Coverage (MRC)

Mechanical Repair Coverage 4 may help limit unexpected covered repair costs as your vehicle ages, potentially saving your budget from future unexpected repair costs.

  • Freedom to choose your mechanic.  MRC is accepted at all licensed repair facilities in the US and Canada

  • Get reimbursed for travel expenses and car rentals

  • 24 hour emergency roadside assistance, including towing

  • Coverage up to 15 model years or 150,000 miles of add-on protection for eligible vehicles

  • Transfer the plan to a private party if you sell your vehicle

  • Choose from three levels coverage

  • Available on vehicles financed with NIHFCU or elsewhere

Protect against the costly repairs! 4 View our digital brochure and then call us at 1-855-852-4748 to get coverage.
Protect your loans with Loan Guardian

NIHFCU’s Loan Guardian is available to protect your NIHFCU credit card, auto or personal loan from continuing payments and debts following unexpected life events such as:

  • Death

  • Disability, and

  • Involuntary unemployment.

Depending on the particular situation, Loan Guardian could even cancel your remaining payments up to the contract maximums.1

Protect your financial well-being. Visit our digital brochure and then call us at 1-855-852-4748 to speak to a specialist and learn more about protecting your NIHFCU loans.

Rates, fees and terms as of July 15, 2024 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know!
1 Programs vary by state. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms and conditions of the NIHFCU Loan Guardian Debt Protection program. You may cancel the protection at any time. If you cancel within 30 days, you will receive a full refund of any fee paid. Purchasing Loan Guardian protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain the loan.
2 Your purchase of MEMBER’S CHOICE™ 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. 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. GAP-1062538.1-1114-1216
3 Rates subject to change without notice at any time.
4 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.