Loan Add-Ons

Mechanical Repair Coverage

As your vehicle gets older, the risk and cost of repair increases. Adding mechanical repair coverage to your vehicle will ensure that you’re covered in the event of a breakdown, potentially saving you thousands of dollars. Click the video below to learn more!

Essential protection against unexpected costly repairs

  • Covers the cost of repairs due to mechanical breakdown of a manufacturer installed mechanical or electrical part

  • Based on year, make, model & mileage of vehicle

  • Vehicle does not need to be financed through Dillon CU and can be purchased at any time

  • Contact a consumer loan officer for your free, no obligation quote

Coverage Benefits

  • Key replacement

  • Paintless dent repair

  • 24-hour roadside assistance

  • No out-of-pocket expense (except for any deductible)

  • And more!

A man talking on his cell phone with a car accident scene in the background, involving a blue car and a black car with front-end damage.

Guaranteed Asset Protection (GAP) Plus

Don’t let a wrecked car wreck your finances! If your vehicle is totaled or stolen, your auto insurance might not cover everything you owe on your loan. That’s where GAP Protection comes in, filling the gap between your insurance payout and your remaining loan balance, saving you from unexpected out-of-pocket costs that could reach thousands of dollars.

Why GAP Plus with Deductible Assistance?

  • Covers the difference between your loan balance and insurance payout

  • Helps protect you from financial hardship after a total loss or theft

  • Includes Deductible Assistance for added peace of mind

  • Essential protection that lets you drive with confidence

Fair market value doesn’t always feel fair, but with GAP, you’re covered. Talk to us today about adding GAP Plus to your loan and protect yourself from costly surprises. Drive smart. Drive protected.

Hands hovering over icons of a car, house, and a family, with a blue graphic overlay.

Credit Life & Credit Disability

Credit Life & Disability Insurance may make your loan payments when you can't

 Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against the unexpected such as a covered life event or disability could help you protect more than your finances.  It could help lighten the burden for the people you care about.  Insure your loan payments today so you can worry a little less about tomorrow.

There's no way to predict an injury, illness or other unexpected life event.  You can take steps to protect your family if the unforeseen happens.  Credit disability and credit life insurance may help reduce or pay off your covered loan, up to the policy maximum, in the event of a covered life event, injury, illness or death.

You decide which payments you want to protect, and the monthly premium may be added to your loan. Coverage is designed to fit your lifestyle, it is totally voluntary, it won't affect your loan approval, and it's simple to apply.  You can sign up for credit insurance at your loan closing or anytime you'd like.

Call Dillon Credit Union at 620-669-8500 to speak with a Consumer Loan Officer for details.

Disclosures

  • 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. The Assurant® mark and the Vehicle Care by Assurant® application are the sole property of Assurant, Inc.

  • Your purchase of MEMBER’S CHOICE Guaranteed Asset Protection (GAP) 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 GAP Waiver Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.

    State chartered credit unions in FL, GA, IA, RI, UT, VT, WI may choose GAP 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 calculated by the actuarial method.

  • Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional to purchase 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 Group Policy for a full explanation of the terms. Base Form Numbers: CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800- 0695, B3a-800-0288, CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992. For CA only: Base Form Numbers: B3a-830-0996, B3a-800-0695. Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. California Department of Insurance Consumer Hotline: 1-800-927-4357. For VT only: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. Only a licensed insurance agent may provide consultation on your insurance needs