Guaranteed Asset Protection (GAP)

If your vehicle is damaged beyond repair or stolen, your insurance provider will only cover the market value of the vehicle at the time of loss which may be less than what you owe on your auto loan.

Guaranteed Asset Protection (GAP)

Buffalo Metropolitan’s Guaranteed Asset Protection (GAP) comes in handy. In the event of loss, your GAP coverage will give you peace of mind by paying the difference in the insurance settlement and the balance of your auto loan.

Make sure you fill the gap to help protect your money and your credit rating. GAP is a low-cost way to get complete protection, costing only $200.00, which you can finance right into your Buffalo Metropolitan auto loan when purchasing the vehicle or pay separately from your Credit Union account. Call 716-847-6960 option 3 or email us at

Disclosure: Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.

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