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Loan Protection

Vehicle Extended Warranties

Effective immediately, our extended warranty program through Route 66 has been improved! There has been a reduction in Warranty Pricing: Pricing has been significantly reduced for Asian imports. Pricing has also been lowered on U.S. and European makes, as well as for motorcycles and ATV’s.









Did you know that one in three vehicles has a mechanical failure in a given year? We are pleased to offer affordable Mechanical Breakdown Protection coverage through Route 66. Plans for autos and trucks start around $1,210. There are different plans and different levels of coverage. Warranties are available even if your loan isn't with the Credit Union. Click here for detailed auto and truck extended warranty coverage information. Click here for detailed motorcycle and ATV extended warranty coverage information. Contact a Loan Specialist for details.

  • $0 Deductible, and you may take your vehicle to any certified mechanic
  • Nationwide Coverage
  • Includes 24/7/365 Emergency Roadside Service
  • Our “Easy Street” Factory type extended warranty coverage is available on 2011 and newer models with 85,000 or less miles. Coverage is extended to 120,000 miles (previously 100,000 miles).
  • Our “Main Street” Major Component Coverage is available on most 2007 or newer models with up to 140,000 miles (Drivetrain coverage is also available on older vehicles no restrictions on age or mileage)
  • Increased Plan Term Flexibility: New plan term options of 4, 5, 6, 7 or 8 years are now available. Save on the plan cost if you’d prefer a shorter warranty term.
  • 30 Day Money-Back Guarantee
  • Transferable
  • Up to $65 for each battery in the vehicle (Easy Street & Main Street coverage only)

New as of February 2019:

For 2013 and newer models, coverage includes:

  • LCD screens
  • DVD Players
  • Satellite & MP3 Radios
  • Backup/Reverse Sensors
  • Rearview Backup Camera
  • Side & Rearview Mirror Cameras
  • Drivers Assist Systems

The Emergency Roadside Service Includes:

  • Towing
  • Flat Tire Assistance
  • Battery Jump Starting
  • Lock-Out Service
  • Fuel & Fluid Delivery and Minor Adjustments

Have an existing warranty with another provider?
To request a warranty quote contact us with the vehicle information, current mileage and VIN at loans@lmfcu.org or by telephone at (800) 410-0501.


Guaranteed Auto Protection

Will your insurance pay off your loan if your car is totaled? GAP Plus protects you financially if your vehicle is totaled or stolen.

Most People Learn About GAP Risk the Hard Way! Most people believe that if their vehicle is totaled or stolen, their primary insurance will pay off their loan balances. Well, think again! If your vehicle is totaled or stolen, your primary insurance carrier will usually pay only the actual cash value (current market value) of your vehicle less your deductible. This amount could be substantially lower than your loan balance. The final result is a financial GAP where you must pay the difference between your loan balance and your insurance settlement, which could mean thousands of dollars out of your pocket. That's why many owners have chosen GAP Plus (Guaranteed Auto Protection). GAP Plus coverage eliminates the out-of-pocket expense you would incur to pay off your loan should your vehicle be stolen or totaled.

Car-Shopping or Refinancing?

Speak to one of our loan specialists about purchasing GAP Plus by calling (800) 410-0501 (option 2) or by email (loans@lmfcu.org). The current cost for GAP Plus for LM Federal members is only $349 and can be financed in your auto loan. We dare you to ask the dealer what they charge for GAP Plus! Most dealers charge between $500 - $999 for the same coverage!

Is Loan Credit Insurance Right For You?

Protect your payment and credit with low-cost credit insurance through Transamerica. Credit Life or Accident and Sickness Insurance that will repay your loan if you become disabled due to a covered illness or accident or in the event of your death. There are no medical questions or forms to complete. For additional information, speak to one of our Loan Specialists by calling (800) 410-0501 (option 2) or e-mail loans@lmfcu.org.