GAP Advantage.

Protect your auto investment with Guaranteed Asset Protection (GAP)

Visit us before the dealership.

The GAP Advantage is an optional benefit that gives you further piece of mind. If the vehicle you are now purchasing ever becomes "totaled," or is stolen and not recovered, GAP Advantage pays an additional $1,000 toward the purchase of a replacement vehicle. Not only will you receive the difference between the value of your vehicle and its unpaid loan balance, you also get a head start on financing a new or used replacement vehicle through Har-co Credit Union.

What is gap?
GAP Covers the difference between what is owed on the vehicle and what you owe. For example, if your vehicle is totaled or stolen and only worth 10k at the time, but you owe $15k, GAP provides the $5k difference toward your new vehicle, including your insurance policy deductible up to $1k.
Contact us for requirements and exclusions. Deductible waiver is available in most, but not all states.

what others are saying

"At the same time we purchased Har-co's advertised Route 66 extended warranty (Easy Street).  Recently, we had several issues with the purchased car in which the brake master cylinder and driver side wheel bearing needed replacement.  The cost was about $3,000.  Both issues were covered by the extended warranty and the claim process was seamless.  We are so glad we purchased this additional guarantee.  Thank you Har-co for offering the extended warranty with the loan. - Herb Hand

What does GAP cover?

Contact us

New & Used Vehicles

Motorcycles

Jet Ski's

Route 66 Extended Warranty

The Route 66 Extended Warranty is the most comprehensive coverage out there and provides coverage for virtually any make and model of automobile. You'll have peace of mind, because even the most reliable vehicle can develop a mechanical problem at any time. The best part is that you don't have to buy the warranty at the time of your vehicle purchase.

  • $0 Deductible
  • 24/7 Roadside service
  • Rental car benefits
  • 30-day money back guarantee
  • Fully Transferrable
  • Nationwide coverage

More services.

Mortgages

Get the edge in today's market with a one-day pre-approval. Spend less time closing on your house and more time making memories.

Apply for a mortgage
Personal Loans

Exclusively low rates that you can use for anything such as: bill consolidation, education loans, vacations or anything else in life.

Apply for a loan
Credit cards

Introducing your pass to Harford County, with the all-new Har-co card. 5% cash back on local businesses and 2% on all other purchases.

Apply for a credit card
View all services