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Our coverage starts where other policies end

Guaranteed Asset Protection (GAP) is a voluntary program for eligible loans that pays up to the difference between a member’s outstanding loan balance and an insurer’s settlement when a vehicle is stolen or declared a total loss.

We also offer deductible assistance, designed to provide financial relief when a borrower's vehicle is damaged but not totaled.

GAP insurance does not replace any mandated vehicle insurance, but it’s a supplement to help lessen your out-of-pocket responsibility. It’s available for a minimal fee on cars, trucks & SUVs, as well as RVs & powersport vehicles.

You can add this protection on a new America First loan or within 60 days of your vehicle purchase contract date. To ensure the best available coverage and benefits, at least one borrower must be on the vehicle’s insurance policy as a driver or holder.

Please note that your vehicle is not eligible for GAP coverage if it is used for:

  • Transporting others for compensation
  • Commercial purposes
  • Emergency transportation
  • Racing

We also cannot provide it for classic or rebuilt/restored vehicles or those with salvaged titles. For additional information or to see if your loan is eligible, please call (801) 827-6828.


Subject to eligibility, qualifications, coverage maximums, terms & conditions.