G.A.P. Protection

Guaranteed Asset Protection (GAP) offers you the peace of mind of knowing that you will be covered for the difference between the actual cash value of your vehicle and the loan balance. Consider adding GAP Protection to your loan.

What can GAP Protection do for you?

Vehicles start depreciating the moment you drive them off the lot. Many people assume if their vehicle is stolen or damaged beyond repair, their insurance coverage will pay the remaining balance owed to the lender. This is not always so. In many cases, the amount paid to you by the insurance company may be less than what you owe the lender—and you are held responsible for the difference. GAP Protection can cover this “gap” for you.

How do you get GAP Protection?

GAP Protection is available for a nominal cost and may be purchased within 30 days of vehicle purchase date. Get a quote when you speak to a BrightStar CU representative about your loan. Just call us at 954-486-BSCU (2728).

Certain limitations and qualifications may apply. Ask a representative for more information. Protection is offered to BrightStar CU members by Route 66. For detailed information, refer to the terms & conditions of the Route 66 agreement(s).

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Frequently Asked Questions

When you open a BrightStar CU account, you become a member. Your membership is your passport to a whole world of Credit Union services. Join for as little as $1. Once you’re a member, you’re eligible to apply for other accounts-including checking, loans, credit cards, and more. We offer 3 convenient ways to join:

  • Submit an application online
  • Complete a PDF application online, then mail it
  • Visit your nearest BrightStar CU branch location

Anyone* who lives, works or goes to school in Broward, Collier, Lee, Martin, Miami-Dade, Palm Beach OR St. Lucie Counties, Pinellas, Hillsborough, Polk, Osceola, Brevard, Manatee, Hardee, Highlands, Okeechobee, Indian River, Sarasota, DeSoto, Charlotte, Glades, Hendry and Monroe Counties, Florida. BrightStar CU serves Broward Schools, as we’ve proudly done for over 70 years. We provide services to local Partner Organizations, which offer BrightStar CU as a benefit to their employees. Family members of the above named groups are also eligible to join.