Before the unexpected happens, make sure you’re covered.
Accidents happen. Things break. And it can be costly even when it’s not your fault or if you thought you had the right coverage. Find the best defense with our added loan protection options that give you peace of mind and safeguard your money when things don’t go as planned.
GAP Coverage
Protect your vehicle investment with GAP Coverage.
Guaranteed Asset Protection (GAP) helps bridge the gap between what your vehicle insurance covers and what you still owe on your loan if your car is totaled or stolen. Standard auto insurance may only cover your vehicle’s current market value—not the full loan balance. That’s where GAP comes in.
Why Add GAP Coverage?
If your vehicle is declared a total loss, you could still be responsible for thousands of dollars in unpaid loan or lease balances. GAP coverage:
- Covers the difference between your insurance payout and your remaining loan balance.
- Protects your finances from unexpected out-of-pocket costs.
- Provides peace of mind for just a few dollars a month.
Remember these possible exclusions/policy rules:
- Maximum Limit of Loss: $50,000
- A GAP claim settlement may not cover the entire gap due, when your loan’s Original Amount Financed exceeds 150% of MSRP (new vehicle) or NADA Retail Value (used vehicles).
- The claim settlement does not cover late charges or other penalties due to your lender.
- Your loan amount financed must be less than or equal to $100,000.
- Your loan term must not be greater than 84 months.
- The loan must not have a balloon payment due at the end of the term.
How to enroll.
GAP is available when you finance your vehicle with DoverPhila Federal Credit Union. Just ask to add GAP coverage during your loan application process or contact us anytime to learn more.
Mechanical Breakdown Coverage
Drive with confidence — protect your vehicle from unexpected repairs.
When owning any vehicle, there is always a chance of having a mechanical breakdown. These breakdowns can be very expensive to repair. With a vehicle service contract from Vision Warranty Corporation, members can add protection against the unexpected high cost of vehicle repairs – sometimes eliminating the cost altogether.
All plans cover ordinary wear that exceeds the manufacturer’s published tolerance. Repairs can be completed at any licensed repair facility in the United States and Canada. Regardless of the number of repairs, only one deductible is paid per visit.
Benefits included in all plans:
Roadside Assistance Services: towing/wrecker service, gasoline delivery, flat tire change, battery jump-start service (excludes hybrid/EV battery), and lockout services.
Substitute Transportation Reimbursement: Payments are limited to the actual reimbursement cost to not exceed $40 per day, not to exceed 5 days, an additional 2 days may be approved for parts or inspection delays, for a total of 7 days.
Trip Interruption: Reimbursement for meals and lodging when covered failure occurs more than 100 miles from home – $300 per day, up to 5 days.
Manufacturer’s Deductible Reimbursement: If a part is replaced under the manufacturer’s warranty and that same part is covered under the contract, we will pay the deductible that the manufacturer charged up to a $100 maximum.
Road Hazard Tire: In the event your tire(s) incurs damage from a road hazard, we will pay to reimburse or receipted expense for a tire repair ($20 maximum), or if not repairable, for tire replacement up to a maximum of $100 for each tire replacement per occurrence, up to 4 occurrences during the contract term.
| Policy | Coverage |
|---|---|
| Level One | Engine, Transmission, Drive Axle, and Additional Hybrid/Plug-in Electric Components |
| Level Two | Brakes (ABS/Non-ABS), Air Conditioning, Steering, Suspension, Fuel, Electrical |
| Level Three | This is top coverage for a vehicle that covers items listed in previous plans, along with all other parts on a vehicle except those listed in exclusions in the service contract. For a complete list of exclusions, see the actual service contract. |
| Powertrain Basic | Limited High Mileage Coverage – Engine, Transmission, Drive Axle, Additional Hybrid/Plug-in Electric Components, Seals and Gaskets |
Optional coverages: total loss refund, lift kit/tire modifications, commercial use, snow plow, and hybrid/EV battery pack. Please speak to a loan officer for more details.
Loan Protection Coverage
Life is full of uncertainties. Loan Protection helps eliminate the worry.
When the unexpected happens—like a serious injury, illness, or job loss—your financial obligations don’t pause. That’s why DoverPhila Federal Credit Union offers Loan Protection Coverage to help safeguard you, your family, and your credit.
This optional coverage can cancel or reduce your loan payments in times of financial hardship, helping you stay on track during life’s toughest moments.
Covered Events
A variety of life events can be covered that will help eliminate the worry of financial loss.
- Death: Cancels outstanding loan balance up to $50,000.
- Involuntary Unemployment: Cancels up to six consecutive monthly loan payments per occurrence up to $1,000 per month.
- Disability: Cancels up to twelve consecutive monthly loan payments per occurrence up to $1,000 per month.
- Unpaid Family Leave: Cancels up to three consecutive monthly loan payments per occurrence up to $1,000 per month.
Programs Offered
We offer five programs for you to choose from, one of which will fit your particular life situation.
| Program | Coverage |
|---|---|
| Plan I | Death, Disability, Involuntary Unemployment, Unpaid Family Leave |
| Plan II | Disability, Involuntary Unemployment, Unpaid Family Leave |
| Plan III | Death, Involuntary Unemployment, Unpaid Family Leave |
| Plan IV | Death, Disability, Unpaid Family Leave |
| Plan V | Death |
Eligibility
There are eligibility requirements, conditions, and exclusions that apply to this program. For complete details, speak with one of our loan officers. We can provide you with our Loan Protection Agreement which provides complete details and answers to the most frequently asked questions about our product.
CARFAX Vehicle History Report™
Drive with confidence – get a CARFAX Vehicle History Report™!
DoverPhila provides exclusive savings on a CARFAX Vehicle History Report™* to protect members from salvage, total loss, structural damage, lemon, and flood vehicles.
Every CARFAX Vehicle History Report™* checks for:
TITLE PROBLEMS
- Severe Accident
- Lemon
- Flooded
- Odometer Problems
OWNERSHIP HISTORY
- How Many Owners
- High Mileage
- Rental
- Fleet Car
ACCIDENTS & SERVICE
- Total Loss
- Airbags Deployed
- Structural Damage
- Service Records
Our installment loan officers are happy to share a CARFAX Vehicle History Report™* with you. By clicking the banner below and submitting a request form for a CARFAX Vehicle History Report™*, you agree that DoverPhila Federal Credit Union can pull a CARFAX Vehicle History Report™* on your behalf and debit your DPFCU account for a charge of $25.00.
*CARFAX Vehicle History Reports are based on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Subject to the terms and conditions on Carfax.com. By submitting a request form for a CARFAX Vehicle History Report™, you agree that DoverPhila Federal Credit Union can pull a CARFAX Vehicle History Report™ on your behalf and debit your DPFCU account for a charge of $25.00. You must be a member of DoverPhila Federal Credit Union to submit a request for a CARFAX Vehicle History Report™. Online account opening is available by clicking here.
GAP Coverage
Protect your vehicle investment with GAP Coverage.
Guaranteed Asset Protection (GAP) helps bridge the gap between what your vehicle insurance covers and what you still owe on your loan if your car is totaled or stolen. Standard auto insurance may only cover your vehicle’s current market value—not the full loan balance. That’s where GAP comes in.
Why Add GAP Coverage?
If your vehicle is declared a total loss, you could still be responsible for thousands of dollars in unpaid loan or lease balances. GAP coverage:
- Covers the difference between your insurance payout and your remaining loan balance.
- Protects your finances from unexpected out-of-pocket costs.
- Provides peace of mind for just a few dollars a month.
Remember these possible exclusions/policy rules:
- Maximum Limit of Loss: $50,000
- A GAP claim settlement may not cover the entire gap due, when your loan’s Original Amount Financed exceeds 150% of MSRP (new vehicle) or NADA Retail Value (used vehicles).
- The claim settlement does not cover late charges or other penalties due to your lender.
- Your loan amount financed must be less than or equal to $100,000.
- Your loan term must not be greater than 84 months.
- The loan must not have a balloon payment due at the end of the term.
How to enroll.
GAP is available when you finance your vehicle with DoverPhila Federal Credit Union. Just ask to add GAP coverage during your loan application process or contact us anytime to learn more.
Mechanical Breakdown Coverage
Drive with confidence — protect your vehicle from unexpected repairs.
When owning any vehicle, there is always a chance of having a mechanical breakdown. These breakdowns can be very expensive to repair. With a vehicle service contract from Vision Warranty Corporation, members can add protection against the unexpected high cost of vehicle repairs – sometimes eliminating the cost altogether.
All plans cover ordinary wear that exceeds the manufacturer’s published tolerance. Repairs can be completed at any licensed repair facility in the United States and Canada. Regardless of the number of repairs, only one deductible is paid per visit.
Benefits included in all plans:
Roadside Assistance Services: towing/wrecker service, gasoline delivery, flat tire change, battery jump-start service (excludes hybrid/EV battery), and lockout services.
Substitute Transportation Reimbursement: Payments are limited to the actual reimbursement cost to not exceed $40 per day, not to exceed 5 days, an additional 2 days may be approved for parts or inspection delays, for a total of 7 days.
Trip Interruption: Reimbursement for meals and lodging when covered failure occurs more than 100 miles from home – $300 per day, up to 5 days.
Manufacturer’s Deductible Reimbursement: If a part is replaced under the manufacturer’s warranty and that same part is covered under the contract, we will pay the deductible that the manufacturer charged up to a $100 maximum.
Road Hazard Tire: In the event your tire(s) incurs damage from a road hazard, we will pay to reimburse or receipted expense for a tire repair ($20 maximum), or if not repairable, for tire replacement up to a maximum of $100 for each tire replacement per occurrence, up to 4 occurrences during the contract term.
| Policy | Coverage |
|---|---|
| Level One | Engine, Transmission, Drive Axle, and Additional Hybrid/Plug-in Electric Components |
| Level Two | Brakes (ABS/Non-ABS), Air Conditioning, Steering, Suspension, Fuel, Electrical |
| Level Three | This is top coverage for a vehicle that covers items listed in previous plans, along with all other parts on a vehicle except those listed in exclusions in the service contract. For a complete list of exclusions, see the actual service contract. |
| Powertrain Basic | Limited High Mileage Coverage – Engine, Transmission, Drive Axle, Additional Hybrid/Plug-in Electric Components, Seals and Gaskets |
Optional coverages: total loss refund, lift kit/tire modifications, commercial use, snow plow, and hybrid/EV battery pack. Please speak to a loan officer for more details.
Loan Protection Coverage
Life is full of uncertainties. Loan Protection helps eliminate the worry.
When the unexpected happens—like a serious injury, illness, or job loss—your financial obligations don’t pause. That’s why DoverPhila Federal Credit Union offers Loan Protection Coverage to help safeguard you, your family, and your credit.
This optional coverage can cancel or reduce your loan payments in times of financial hardship, helping you stay on track during life’s toughest moments.
Covered Events
A variety of life events can be covered that will help eliminate the worry of financial loss.
- Death: Cancels outstanding loan balance up to $50,000.
- Involuntary Unemployment: Cancels up to six consecutive monthly loan payments per occurrence up to $1,000 per month.
- Disability: Cancels up to twelve consecutive monthly loan payments per occurrence up to $1,000 per month.
- Unpaid Family Leave: Cancels up to three consecutive monthly loan payments per occurrence up to $1,000 per month.
Programs Offered
We offer five programs for you to choose from, one of which will fit your particular life situation.
| Program | Coverage |
|---|---|
| Plan I | Death, Disability, Involuntary Unemployment, Unpaid Family Leave |
| Plan II | Disability, Involuntary Unemployment, Unpaid Family Leave |
| Plan III | Death, Involuntary Unemployment, Unpaid Family Leave |
| Plan IV | Death, Disability, Unpaid Family Leave |
| Plan V | Death |
Eligibility
There are eligibility requirements, conditions, and exclusions that apply to this program. For complete details, speak with one of our loan officers. We can provide you with our Loan Protection Agreement which provides complete details and answers to the most frequently asked questions about our product.
CARFAX Vehicle History Report™
Drive with confidence – get a CARFAX Vehicle History Report™!
DoverPhila provides exclusive savings on a CARFAX Vehicle History Report™* to protect members from salvage, total loss, structural damage, lemon, and flood vehicles.
Every CARFAX Vehicle History Report™* checks for:
TITLE PROBLEMS
- Severe Accident
- Lemon
- Flooded
- Odometer Problems
OWNERSHIP HISTORY
- How Many Owners
- High Mileage
- Rental
- Fleet Car
ACCIDENTS & SERVICE
- Total Loss
- Airbags Deployed
- Structural Damage
- Service Records
Our installment loan officers are happy to share a CARFAX Vehicle History Report™* with you. By clicking the banner below and submitting a request form for a CARFAX Vehicle History Report™*, you agree that DoverPhila Federal Credit Union can pull a CARFAX Vehicle History Report™* on your behalf and debit your DPFCU account for a charge of $25.00.
