Loan Extras

CARFAX VEHICLE HISTORY REPORTS

Before you buy a used car, get a CARFAX report.   See accidents and service reported to CARFAX.  Plus a price based on the cars history.  Each CARFAX report checks for accidents, damage, title problems, open recalls and more reported to CARFAX to help you avoid costly hidden problems.  But that's not all.  CARFAX checks for service history, owner information and more to help you find a well-maintained vehicle that's right for you.   

For ONLY $20, ESFCU members can now receive a CARFAX report on any used vehicle!  To get your CARFAX report, contact an ESFCU loan officer.


Route 66 Extended Warranty

No matter what vehicle you have, there is a Route 66 Extended Warranty Plan that will suit your needs. From the First Street Plan to the Easy Street plan, an affordable Route 66 Warranty will give you peace of mind - knowing that you are covered wherever your travels take you.

  • Click here for more information on Route 66

GAP Insurance / AssurancePlus

Guaranteed Asset Protection

We now offer Guaranteed Asset Protection or GAP Insurance. This is a product designed to protect you if your car is totaled or stolen and the value of your vehicle is less than what you owe. It will also give you $1,000 towards the purchase of a replacement vehicle if you finance at Emporia State Federal Credit Union!

If your vehicle is damaged beyond repair or stolen before you're finished paying for it, there could be a gap between the insurance payment and the actual payoff.

Here's an example
Amount you borrowed from ESFCU for your car $15,000
At the time of the loss, you owe $12,000
Your insurance company values your car at (-) $10,000
Your primary deductible is $500
Your total out of pocket expense is $2,500
GAP Coverage pay the difference $2,000
PLUS your deductible $500
The total you owe with GAP coverage to pay off your loan? $0!!
GAP PLUS coverage includes up to a $1,000 down payment credit toward a replacement vehicle when you finance with ESFCU!
  

Assurance Plus - Insurance Deductible Reimbursement

Not every vehicle will use the GAP coverage, however every vehicle could use the Insurance Deductible Reimbursement! 

We will reimburse the member for a loss to the member's covered auto equal to the deductible limit shown on the member's auto insurance policy up to a maximum of $500.  Coverage is effective upon the date of the member's enrollment and will continue for three (3) years. 

Insurance Deductible Reimbursement will cover any vehicle that is insured by the borrower.

An example:

A member owns three vehicles and they are the insured on all three.
One of the vehicles is secured by an ESFCU loan. 
We have a claim and it is NOT on the vehicle secured by an ESFCU loan.
It is still covered!

Talk to your loan officer for more details on any of these Loan Extras!