Protect Your Vehicle Investments, Not Just It's Value

The GAP Advantage is an optional benefit that gives you further peace of mind. If the vehicle you are now purchasing ever becomes "totaled," or is stolen and not recovered, GAP Advantage provides you with an additional $1,000 towards the purchase of a replacement vehicle if financed with BFCU. Not only will you receive the difference between the value of your vehicle and its unpaid loan balance. You also get a head start on financing or leasing a new or used replacement vehicle when you finance through Best Financial Credit Union.

GAP now also has an enhanced feature known as Auto Deductible Reimbursement. You can get reimbursed up to $500 if you have to pay your insurance deductible for an accident or total loss.


The following is a typical example of how GAP Advantage comes through for you:

  • Original purchase price: $25,000
  • Loan balance after one year: $20,000
  • Insurance settlement covering vehicles current value: $16,000

Your lost investment without GAP:

  • Your remaining unpaid loan balance (the "gap"): $4,000 (Including your deductible, up to $1,000)
  • GAP waives the difference: $4,000
  • GAP Advantage provides you with the following towards a replacement vehicle when financed with BFCU:  $1,000 

Total GAP Advantage Benefit: $5,000

Download the GAP Protection Brochure