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Staying Covered No Matter What 

Guaranteed Asset Protection (GAP) could help cover the costs that standard car insurance can't.1 It's an optional plan that may cover the difference between your outstanding loan amount and the cash value of your vehicle. Adding GAP to your new or existing auto loan may be an affordable way to protect yourself if your car is totaled in an accident or stolen. It could also cover up to $1,000 of your deductible.

Adding GAP to a new AUTO loan?

Opt in when you apply today.

Adding GAP to an existing AUTO loan?

Call us at 1-888-842-6328.

How Much Does GAP Cost?

For new and eligible used vehicles, Navy Federal charges a flat enrollment fee of $399. You have the option to pay for it in a lump sum or finance it into your loan, which increases the overall cost (Note: California Active Duty and Active Reserve Duty servicemembers cannot finance the fee).

If you choose to add the fee to your loan amount, your monthly payment would probably increase by only a few dollars. For instance, on a $24,500, 60-month loan at 4.5% APR, your monthly payment would be $458 without GAP and $465 with it.

Is My Car Eligible?

GAP is available for new and existing Navy Federal auto loans. It covers most automobiles, trucks and SUVs no older than 7 years. Commercial vehicles, including ridesharing and food delivery autos, are not eligible. For more information about what GAP covers, visit our questions and answers page.

Is GAP Right for Me?

You may want to consider GAP if:

  • your loan had a 0 or low down payment
  • your car make and model depreciates quickly
  • you drive more than 15,000 miles a year (accelerating your car’s depreciation)

Related Auto Resources

  • Auto Accidents and Loss Protection

    In the unfortunate event that your car is totaled or stolen, there are steps you can take to protect yourself, whether you have GAP insurance or not.

    Learn Moreabout Auto Accidents and Loss Protection
  • Car Buying Center

    We can help you find everything you need to finance, buy, research, protect and enjoy your next car. Plus, you could enjoy great discounts, too!

    Learn Moreabout Car Buying Center
  • Liberty Mutual® Auto Insurance

    Navy Federal members could save with a special discount on auto insurance from Liberty Mutual, made available through TruStage® Auto Insurance Program.

    Learn Moreabout Liberty Mutual® Auto Insurance



Your purchase of Guaranteed Asset Protection (GAP) is optional. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with Navy Federal. You may choose to pay the fee in a single lump sum or you may finance it into your loan, which would increase the cost (NOTE: California Active Duty and Active Reserve Duty servicemembers cannot finance the fee). If you cancel your optional GAP coverage within 60 days of enrollment, you will receive a full refund of any fees. Additional information will be provided to you, which will include a copy of the GAP Agreement and Disclosure (NFCU23A) containing the terms of the plan. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under the plan. You should carefully review the additional information for a full explanation of terms.