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Loan Protection Options

Please protect my loan with Guaranteed Asset Protection (GAP).

Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if for any reason your vehicle is declared a total loss, you are still liable for the difference between the insurer's settlement and the loan balance.

GAP is a low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle. Our GAP program will also provide you with an additional $1,000 toward the financing of your replacement vehicle when financed with St. Paul Federal.

Our GAP policy costs $449.00 and can be added directly into your loan.

Please protect my vehicle with Mechanical Repair Coverage (MRC).

For just pennies a day, MRC shields you from the high costs of mechanical or electrical repairs on your vehicle once your basic manufacturer’s warranty has expired. We offer multiple plans so you can select the one that best fits your coverage needs. In addition to repair coverage, you'll receive valuable benefits that include:

Rental reimbursement - Up to $30 per day for 5 days (or 10 days for parts delay).
24-hour nationwide emergency roadside assistance - Up to $100 per occurrence. Includes towing, battery/jump start, fluid delivery, flat tire assistance and lock out service.
Travel expense reimbursement - Up to $500 for lodging, food, and rental expense when a covered breakdown or collision occurs more than 100 miles from home.
Transferable - If you sell your vehicle privately, the coverage can be transferred adding resale value and appeal.

For additional MRC coverage specifics, please speak with one of our Loan Officers.

Please protect my loan with Life protection.

Payment Protection protects you and your family from unforeseen circumstances, including loss of a life or an unexpected disability. These "protected events" are difficult to manage. With each new debt added to your plate, it becomes more important to have some type of protection. Payment Protection does just that. Credit Life Insurance covers pays off a St. Paul Federal Credit Union protected loan in the event of an unexpected death.

Please protect my loan with Disability protection.

Credit Disability Protection protects you and your family from unforeseen circumstances, including loss of a life or an unexpected disability. These "protected events" are difficult to manage. With each new debt added to your plate, it becomes more important to have some type of protection. Our Credit Disability Payment Protection does just that. Credit Disability Insurance covers your St. Paul Federal Credit Union loan payments while you are disabled due to an injury or illness.

Please protect my loan with Life and Disability protection.

Payment protection protects you and your family from unforeseen circumstances, including loss of life or an unexpected disability. All of these “protected events” are difficult to manage. With each new debt added to your plate, it becomes more important to have some type of protection. Payment protection does just that. Whether paying off a loan due to a death, or making monthly loan payments, you will protect yourself and your family.

Note: Sometimes listed as Credit Insurance as well

Please provide me information on Auto and Homeowners Insurance from the St. Paul Federal Insurance Agency.

Savings on car or home insurance, exclusively for Credit Union Members

You trust your credit union to offer products and services to help you do more with what you have. That's why we offer Auto and Home Owner’s Insurance through St. Paul Federal Insurance Agency. Through our partnership, our members save over $500 on average when they switch. This program provides discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared car or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Visit www.StPaulFedIns.com for a free, no-obligation quote.

Loan Type Disclosure Statement

Important information for younger borrowers.

It is important that the information we collect is accurate. Please ensure you are under 18 by clicking "Yes, I am under 18" below.

Important information for younger borrowers.

Unfortunately we cannot legally have any contractual agreements signed by minors. We apologize for any inconvenience.

You have requested an external link.

You are leaving the St. Paul Federal Credit Union web site. The subsequent web site is not operated by the credit union, and the credit union is not responsible for the content of the web site. St. Paul Federal Credit Union does not represent either the third party or the member if the two enter into a transaction; and Privacy and security policies may differ from those practiced by the credit union.

What Type of Co-Applicant should I Choose?

Co-Signer/Guarantor - Person who assumes equal liability for the obligation but does not benefit from the proceeds of the obligation.

A spouse cannot be a Co-Signer/Guarantor

Joint Borrower/Co-Borrower - Person who assumes equal liability for the obligation and benefits from the proceeds of the obligation.

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