Financial protection

Protection for life’s big surprises

Programs that safeguard customers from major financial burdens and help your store protect every deal from front to back.

GAP

A high-value essential for customers with low down payments, longer terms, or high depreciation vehicles.

Key benefits:
• Covers the difference of the insurance settlement & remaining payoff
• Optional GAP Plus coverage
• Can be rolled into the customer’s monthly payment

Debt Cancellation

A compliant alternative to GAP that helps protect customers and your deals in total loss scenarios.



How it works:


• If the vehicle is totaled, the unpaid balance (per agreement) is canceled
• Customer remains responsible for excluded or non-covered amounts
• If no payoff exists, no cancellation applies

Lease Excess
Wear & Tear

A great fit for lease-heavy markets and customers wanting predictable end-of-lease outcomes.

Available terms:

• Standard Term: 90 days
• Flex Term: One year
• Commercial Surcharge available 

Covers:
• Chipped paint/scratches

• Chipped windows

• Damaged wheels
• Dents and dings

• Damaged lamps/lenses

• Interior stains

PaymentShield

A compelling safety-net product that increases acceptance and boosts F&I contract sales in uncertain economic conditions.


 

How it works:

  • If terminated or furloughed, customer receives reimbursement for eligible monthly payments
  • Reimbursement issued within 30 days of proof of payment

  • Subject to agreement terms and conditions

PaymentShield+

A financial protection product that helps customers stay current on their vehicle loan following an unexpected job loss or qualifying disability. 

 

How it works:

  • Reimburses eligible vehicle payments after termination or a qualifying disability
  • Provides up to six months of full monthly payment reimbursements, based on the selected coverage tier
  • Offers up to $7,500 in total benefits, subject to the agreement’s terms and conditions

EquityPro

A smarter payment solution that helps customers pay down principal faster while creating savings they can use toward eligible vehicle protection products.

 

How it works:

  • Uses weekly or biweekly payments to help reduce interest and accelerate loan payoff
  • Allows customers to apply savings toward their loan or convert them into store credits for protection products
  • Helps dealerships increase PVR, reduce negative equity and receive month-end funding on eligible contracts

Total Loss
Protection

A premium upgrade that blends theft deterrence with meaningful replacement value for total-loss scenarios.

 

Theft protection benefit:
Credit toward replacement vehicle purchase or lease.

Coverage includes:

UV Body Panel Labels


Permanent UV-visible markings for theft deterrence and recovery.

GPS Tracking Devices

Satellite-based location tracking using GPS or OBDII devices.

Benefits Amounts:

New Vehicles

Up to 10% of original MSRP or max benefit (not less than $2,500).

Pre-Owned Vehicles

Up to 50% of ACV, purchase price, or max benefit, whichever is less.

Value Protection

A unique protection product that supports retention and encourages customers to return to your dealership for their next purchase.

 

How it works:
• Customer may trade in the vehicle for the guaranteed repurchase price
• Takes diminished value and verified repair amounts into account
• Preserves the customer’s investment after an accident

Strengthen your F&I performance. 


Talk to our team to build the right mix for your dealership.

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