Loan & Vehicle Protection

Life is unpredictable. We offer a variety of loan protection options to help protect you, your family and your vehicle from the unexpected.

Guaranteed Auto Protection (GAP)

What is GAP?

If your vehicle is stolen or totaled, your insurance company usually pays the actual cash value of vehicle less your deductible. This amount can often be much less than what you owe on your auto loan.  That’s called a financial gap – and it means you owe the difference between what you owe and what insurance paid.

GAP protects you from that financial gap in the event your vehicle is stolen or totaled.  Members can purchase GAP at a greatly reduced one-time cost of $350*.  Similar policies purchased directly from the dealer or an insurance company often cost $500-$700.

You don’t’ have to decide right away – you have up to 18 months from the time you open your loan to purchase GAP at this low, discounted rate. 

Contact a Loan Counselor for a GAP analysis.

*GAP pricing is subject to change without notice.

See How GAP Works to Save You Money

Extended Warranty

Steer clear of warranty worries!

Even the most reliable vehicle can develop a mechanical problem. Baltimore County Employees Federal Credit Union has you covered!  Our affordable extended warranty program offers three coverage options based on the vehicle’s age and mileage. 

This service, offered through Route 66 Warranty, is available when you finance a new or pre-owned vehicle through us.  And, because the service is linked to the vehicle and not the loan, members with existing auto loans financed with us or another lender are also eligible. 

There’s even a Power Sports plan for motorcycles and other power sports vehicles!

Talk with a Loan Counselor about adding coverage today.

Call 410-828-4730 or 800-234-4730.

Choose from three coverage options


All three coverage options feature:

  • No Deductible on covered parts and labor.
  • Emergency Road Services including Towing, Flat Tire Assistance, Battery Jumpstarting and Lock-Out Service—24-hours a day, 7 days a week, 365 days a year!!
  • 30-Day Money Back Guarantee if you have not submitted a claim.

Debt Protection

Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances. Purchasing protection for your loan is voluntary and won’t affect your loan approval.
To protect your family from the unexpected, ask your Loan Counselor for details about Debt Protection.