Loan Protections

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

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Guaranteed Asset Protection Protection

  • 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.
  • $1,000 off the principal balance of your next vehicle if you finance the loan through 3Rivers
  • 60-day free look
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Depreciation Protection Waiver

  • 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 

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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
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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
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Debt Protection

  • When you or a member of your family is required to miss work due to an unexpected event, the last thing you need to worry about is how to afford your loan payments.
  • With Debt Protection, you can suspend your loan without penalty or added interest in the event of a major life event.
  • Covered events include death, disability, or involuntary unemployment.
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Fast & Easy Loan Financing

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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.
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