Other services

You got the
better rate.
Now protect it.

A few optional add-ons that can save you a very unfun phone call to your bank later. No pressure — just options.

Family and their dog sitting in the open tailgate of an SUV by the shore — optional vehicle protection plans

Why it's worth a second look

Cars break. Batteries die. Rocks fly. None of that asks permission first. These are the plans that pick up the bill when it happens. Pick the one that fits, or skip them all.

GAP waiver

The gap nobody warns you about.

Insurance pays out what your car's worth. Not what you still owe on it. If your car's totaled or stolen before the loan's paid off, that difference is yours to cover. GAP closes that gap, so a bad day on the road doesn't turn into a bill for a car you can't even drive anymore.

  • Covers the gap between insurance payout and loan balance
  • Protects against total loss or theft
  • Available on new and used vehicles

Complete Protection

The little stuff, covered.

Curb rash, a cracked windshield, a dent from a parking lot mystery, a lost key fob at the worst possible time. Complete Protection handles the small, annoying repairs that add up fast. Plus roadside help when you need it.

  • Tire & wheel
  • Key replacement
  • Windshield repair
  • Cosmetic wheel repair
  • Paintless dent repair
  • Roadside service

Vehicle service agreement

Breakdowns happen. Budget-wreckers don't have to.

Once the factory warranty's gone, every repair bill lands on you. A Vehicle Service Agreement picks up the cost instead, with a few coverage levels depending on how much protection you want.

  • Engine & transmission
  • Air conditioning & heating
  • Brakes & steering
  • Electrical system
  • Trip interruption & roadside assistance
  • Rental car reimbursement

Electric vehicle service agreement

EVs are amazing. Their repair bills are not.

Batteries, drive motors, chargers. EV parts are incredible right up until one needs replacing. Our EV Service Agreement covers the expensive stuff that's unique to electric vehicles, new or pre-owned.

  • Battery & drive motor
  • Charger & battery management system
  • Compromised vehicle protection
  • Trip interruption & roadside assistance
  • Rental car reimbursement

Pre-Owned Plus vehicle service agreement

Used car, new peace of mind.

No factory warranty left? No problem. Pre-Owned Plus covers mechanical breakdowns on used vehicles, with coverage levels built for exactly that situation.

  • Engine & transmission
  • Drive axle
  • Brakes & steering
  • Air conditioning
  • Trip interruption & roadside assistance
  • Rental car reimbursement

Supreme vehicle service agreement

Go big. Cover almost everything.

If you want the fewest “wait, that's not covered?” surprises possible, Supreme is our top-tier plan — broad coverage, and you choose unlimited miles or a set term, whichever fits how you drive.

  • Nearly every component, covered
  • Choice of unlimited miles or a set term
  • Manufacturer deductible reimbursement
  • Trip interruption & roadside assistance
  • Rental car reimbursement

No pressure. No packages you don't need.

Your advisor will mention these once, tell you honestly whether they make sense for your situation, and drop it if they don't. Zero commission on anything you don't actually need.

Hello Refi advisor on a headset talking a customer through protection options

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what's right for you?

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This page is a summary only and does not represent the complete terms, conditions, or exclusions of any plan. Coverage varies by product, vehicle, and state. Speak with your advisor for full details.

Optional ancillary products may be offered in connection with certain loans. These products are not available in all states or for all borrowers, vehicles, or loan programs. Eligibility may depend on the borrower’s state of residence, vehicle type, age and mileage, loan amount, loan term, lender requirements, provider guidelines, and applicable law. If an ancillary product is financed as part of the loan, it may increase the total amount financed, monthly payment, and total cost of credit. Product terms, conditions, limitations, and exclusions apply.