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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
Routing #307083911|
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A couple shops for a new car at the dealership

Guaranteed Asset Protection (GAP) with Deductible Assistance

Essential Protection For Your Vehicle Loan – And Your Finances.

SLFCU offers Guaranteed Asset Protection (GAP) from MEMBER'S CHOICETM*. This protection may reduce or eliminate the difference between your vehicle insurance company’s settlement and the remaining loan amount, up to the maximums allowed by the credit union and/or state, in the event your vehicle is stolen or damaged beyond repair.

If you are in an accident where GAP is not needed – for instance, the vehicle is not declared a total loss, you may still be able to take advantage of GAP through the deductible assistance benefit. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe, up to $1,000.

Use this calculator to see if this protection is right for you. You can choose this option when applying for your SLFCU auto loan. 

*Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP) which includes deductible assistance, 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. GAP-4716404.1-0422-0524

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Auto Rates

APR=Annual Percentage Rate


New Auto (up to 36 Months)
As low as 7.09% APR

Used Auto (up to 36 Months)
As low as 7.09% APR