For just a few dollars a month, Mechanical Repair Coverage (MRC)¹ helps cover your vehicle, your family, and your credit rating from unexpected repair costs that could total hundreds or even thousands of dollars. MRC helps ensure that major repairs to your car are covered when the unexpected happens. MRC covers mechanical and electrical repairs on your vehicle from the date of purchase as well as help cover rental and towing reimbursement, 24-hour roadside assistance, and emergency travel expenses.

Here are some quick facts about MRC:

• MRC fees can be added to your monthly loan payment
• MRC protection is transferable; may add value if you choose to sell your vehicle
• Flexible terms and coverage options so you can choose the protection that works for you
• Purchase protection at any time, even after the manufacturer's warranty expires
• Additional protection may be available after your current MRC policy expires

To watch a quick video about MRC click here or contact our Lending Center at 1-800-359-1939, option 3 for more information.

You can also view our detailed MRC guide here. 

Exclusions and limitations apply. Please see terms and conditions for full details on this optional coverage.

Already protected with MRC? Find your policy information and your claims submissions by clicking here.

¹MEMBER’S CHOICE^TM 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.

If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss.

GAP with Deductible Assistance² is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.

Here are some quick facts about GAP with Deductible Assistance:

• Available on both new and used vehicle loans.
• Protects the difference between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is declared a total loss due to theft or accident.
• GAP fees can be added to your loan balance and included in your monthly loan payment.

To watch a quick video about GAP click here, or contact our Lending Center at 1-800-359-1939, option 3 for more information.

Already protected with GAP? Find your policy information and your claims submissions by clicking here.

²Your purchase of MEMBER’S CHOICE^TM 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 purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
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Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, and involuntary unemployment could help protect your finances.

This protection could cancel your loan balance or payments* up to the contract maximums.

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and loss of life on a non-protected dependent. Protect your loan balance or loan payments today so your family can worry less about tomorrow.

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. Ask you loan officer about eligibility, conditions, or exclusions. Refer to the member agreement for a full explanation of terms and conditions.

Check out the protection options below:

For more information on Payment Advantage, contact our Lending Center at 1-800-359-1939, option 3.

Your purchase of Payment Advantage 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 Payment Advantage. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.
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*Alero Finacial Credit Union Mortgages are not eligible.
**If you pass away before the end of the month during which you reach your 75th birthday, we will cancel your protected balance up to a maximum of $100,000. If you pass away after the end of the month during which you reach your 75th birthday, we will cancel 25% of your Protected Balance as of the date of death, up to a maximum of $25,000.