Loan Protections

Loan protections help keep life’s surprises from becoming financial setbacks—so members can borrow with confidence and peace of mind.

Protecting With Confidence

Adding loan protections is an important way we help members feel confident and secure throughout the life of their loan. Life can be unpredictable, and protections like GAP coverage or payment protection are designed to step in when the unexpected happens—such as illness, injury, job loss, or a totaled vehicle—so financial stress doesn’t become overwhelming. By adding loan protections, members can safeguard their credit, protect their finances, and keep their goals on track, knowing they have a plan in place if life takes an unexpected turn.

Questions About Your Coverage?

For coverage eligibility or existing claims questions, contact 3Rivers at 800.825.3641

Loan Protections

Guaranteed Asset Protection

GAP coverage is designed to fill in the “gap” between the actual cash value payment from insurance and the loan balance when a total loss occurs. Negative equity occurs when you owe more on your vehicle than the vehicle is worth
Gap Advantage Benefit: $1000 off the principal balance of your next vehicle if you finance the loan through 3Rivers.
Unlimited Auto Deductible Reimbursements per year (up to $500 per loss) for three years. This ADR benefit covers any vehicle you have titled and insured in your name
60-day free look

File a Claim

A person putting keys in a car ignition to start it

Depreciation Protection Waiver

In the event of a total loss, DPW covers the positive equity you have in your vehicle. Positive equity can be from money you put down when you purchased the car and/or a negotiated a lower price with the dealership
Unlimited Auto Deductible Reimbursements per year (up to $500 per loss) for three years. This ADR benefit covers any vehicle you have titled and insured in your name
60-day free look

File a Claim

Vehicle Protection Plan

Key/Remote Replacement
Tire & Wheel Road Hazard Protection
Windshield Repair – repair cracks and chips caused by propelled rocks or road hazard debris while driving.
Emergency Roadside Assistance
Paintless Dent Repair- permanently removes minor dents and dings without harming a vehicle’s factory finish

Hood of car open and man calling for help.

Mechanical Breakdown Protection

Bumper to Bumper coverage - does not cover normal wear and tear
$0 Deductible – parts AND labor are covered.
Emergency Roadside Assistance
Enhanced Electronics Coverage
Total Loss Refund

File a Claim

A man on his laptop reading a press release

Debt Protection

If you have to miss work due to an unexpected event such as an injury, an illness or temporary unemployment, the last thing you need to worry about is how to afford your loan payments
Debt protection offers peace of mind by covering loan payments during unexpected major life events
Covered events include death, disability, or involuntary unemployment

File a Claim

Fast & Easy Loan Financing

Hit the road in your new ride!

We’re here to help put you in the driver’s seat when it comes experiencing your life’s most memorable moments and adventures by making it simple to shop for, buy, and protect the vehicles that make them possible.

Explore Options

Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

Call Us

Reach our knowledgeable team anytime.

Call Now

Visit a Branch

Stop by any of our 24+ locations.

Find Locations

Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.

Schedule Now