Information and Alerts

Loan Protection Products

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Products for every kind of loan

At Deseret First, we know that life is full of surprises. Sometimes those surprises can cause devastating financial stress. But when it comes to borrowing with us, we’ve got you covered. Below are several products that we offer to provide members with extra peace of mind and financial security.

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GAP Coverage

No one wants to imagine the worst. However, if your vehicle is totaled or stolen, your primary insurance coverage might not be enough to fully pay off the loan. This creates a deficient loan balance, or “gap”, that can result in financial hardship. Learn about how GAP can cover the difference between your outstanding balance and the actual cash value of the vehicle, Deductible Assistance that can refund up to $1000 of your insurance deductible, and what to do if you experience the total loss of a vehicle protected with DFCU GAP coverage.

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Life is unpredictable. You may worry about unexpected events that would leave you scrambling to pay your bills. That’s where LendShield (Debt Protection) comes in to protect you against your debts. It can help relieve financial pressure in the event of death, sickness, injury, or involuntary unemployment. With LendShield you enjoy the peace of mind that comes from knowing that your standard of living and your credit worthiness are protected from unexpected life events.

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Mechanical Repair Coverage

You depend on your car. Expensive repairs can leave you in the lurch after your factory warranty expires. Mechanical Repair Coverage (MRC) helps limit the out-of-pocket cost of covered breakdowns. You’ll only pay the applicable deductible, if any. MRC can help lighten the financial burden for you and the people you care about. Think of it like health insurance, but for your car.

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