Lending Services- We got you!

Insurance has its limits.

Most insurance policies only cover the actual value of your vehicle-a value that declines rapidly during the first few years of ownership and begins as soon as you leave the dealership. As a result, there can be a substantial “gap” between your loan or lease balance and the amount that your insurance will pay to replace it. Why? Your insurance will only cover the actual value of your vehicle – regardless of what you owe.

GAP closes the distance

GAP Protection is a non-insurance product that covers the “gap” by paying the difference between your primary carrier’s insurance settlement (with exceptions) and your loan or lease balance, less delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges.

For more information, inquire with a loan officer at (318) 222-1979 or (318) 742-1912, or drop by one of our locations.

Your vehicle is a major investment. Next to your home, it is probably the biggest investment you may ever make. That is why purchasing mechanical breakdown protection from an extended warranty carrier can help ensure that the investment in your vehicle is protected, and reduces the possibility of out-of-pocket expenses that arise from mechanical and electrical repairs that occur when your vehicle suffers an unexpected mechanical failure.

For more information on extended warranties, call (318) 222-1979 or (318) 742-1912, or drop by one of our locations to see a loan officer.

Credit Life Insurance

Credit life insurance pays the insured balance of your loan, up to a $30,000.00 maximum, in the event of your death. The premium for this service is added to your regular loan payments. For full policy details, ask a credit union loan officer.

Credit Disability Insurance

In the event you become totally disabled by sickness or an accident, credit disability insurance pays your loan payments up to the policy maximum. The premium for this service is added to your regular loan payments. For full policy details, ask a credit union loan officer.

If you could use some extra cash during the year, take advantage of our Skip-A-Payment program. You can choose to skip a qualifying loan payment in the summer to help with a family vacation or during the holiday season. To apply to skip a loan payment, simply complete an application form and return it to the office. If you elect to skip a payment, a $35.00 processing fee will be charged for each payment skipped. You may skip only one payment per year.

For any additional information on the Skip-A-Payment program, you can call a loan officer at (318) 222-1979 or (318) 742-1912 or inquire inside one of our locations.

Tire & wheel coverage, minor dent and door ding protection, windshield repair, PLUS 24/7/365 emergency roadside assistance.

For more information on multi-shield warranties call (318) 222-1979 or (318) 742-1912, or drop by one of our locations to see a loan officer.