Debt Protection Offers Help When You Need it Most.

Debt Protection, also called Debt Cancellation, cancels/waives all or a portion of your loan balance when a specified protected event happens.

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Reduce Risk

Financial Protection

Debt Protection Perks and Benefits

Protecting your loan means all or a portion of your loan balance or monthly payment may be canceled/waived in the event of your: death, total disability, or involuntary job loss.

Convenient The cost of coverage is included in your monthly loan payment.
Affordable Protection is easy to acquire at a budget-friendly price.
Fast Coverage begins immediately.
Protection Protect your family and cash flow while maintaining your lifestyle.

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Limitations and exclusions may apply. Debt protection and warranty products are not products of the credit union and are not obligations of or guaranteed by the credit union. Debt protection is offered through American National Insurance Company. The credit union makes no representations as to the services of any provider. For details about coverage and costs, please visit one of our convenient branch locations or contact us.

Debt Protection Offers Added Security.

Life can be unpredictable and may bring about unexpected challenges you haven't budgeted for. Have confidence that you, your family, and your finances are safe and secure with Debt Protection.

Should death, total disability, or involuntary job loss occur, all or a portion of your loan balance or monthly payment may be canceled or waived.

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All Loan Protection Products

GAP CoverageIf your vehicle is ever totaled or stolen, your primary insurance...

GAP COVERAGE

If your vehicle is ever totaled or stolen, your primary insurance will usually pay only the current market value of your vehicle, less your deductible. If the actual cash value is less than your current loan amount, the result could be a financial "gap" where you must pay the difference between your loan balance and your insurance settlement.

With Guaranteed Asset Protection (GAP) coverage, the remaining amount you owe on your loan will be paid for you. GAP Coverage at Peach State also includes an Auto Deductible Reimbursement which will pay up to $1,000 per loss (unlimited losses per year) when a loss is filed and paid by your auto insurance company for a covered auto that you own or lease (as evidenced by the title, registration or loan document).

If you already have GAP coverage and need to file a claim: Call 877.296.4892 or visit Assurance Plus Claims to get started.

Certain conditions apply. For details about GAP coverage, refer to the GAP contract or please contact us.
Extended Vehicle WarrantyOptional one line descriptor
EXTENDED VEHICLE WARRANTY

Peach State offers our members Extended Vehicle Service Contracts through Warrantech Warranty Corporation for your auto, truck, or van to protect against expensive, unexpected automotive repair costs. This warranty is typically less expensive than those offered at a dealership and covers most major components in the event of a breakdown. It also offers no-hassle direct payment with no reimbursement forms and your one-time premium can be financed with your vehicle loan.

Extended Warranty Features:
- Low deductibles – $0, $50, $100, or $200
- Coverage for vehicles up to 11 years old with up to 150K miles on the odometer
- Bumper-to-Bumper Exclusionary Coverage on vehicles up to 11 years old and with less than 100K miles
- Toll-free roadside assistance
- Toll-free claims phone number
- Trip interruption coverage
- Increased vehicle resale value
- Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
- Claims are paid directly via credit card
- Service contracts are valid in the U.S. and Canada
To learn more or to get an Extended Vehicle Warranty, contact a Peach State loan representative or Warrantech directly at 800.358.2655.

GAP COVERAGE

If your vehicle is ever totaled or stolen, your primary insurance will usually pay only the current market value of your vehicle, less your deductible. If the actual cash value is less than your current loan amount, the result could be a financial "gap" where you must pay the difference between your loan balance and your insurance settlement.

With Guaranteed Asset Protection (GAP) coverage, the remaining amount you owe on your loan will be paid for you. GAP Coverage at Peach State also includes an Auto Deductible Reimbursement which will pay up to $1,000 per loss (unlimited losses per year) when a loss is filed and paid by your auto insurance company for a covered auto that you own or lease (as evidenced by the title, registration or loan document).

If you already have GAP coverage and need to file a claim: Call 877.296.4892 or visit Assurance Plus Claims to get started.

Certain conditions apply. For details about GAP coverage, refer to the GAP contract or please contact us.

EXTENDED VEHICLE WARRANTY

Peach State offers our members Extended Vehicle Service Contracts through Warrantech Warranty Corporation for your auto, truck, or van to protect against expensive, unexpected automotive repair costs. This warranty is typically less expensive than those offered at a dealership and covers most major components in the event of a breakdown. It also offers no-hassle direct payment with no reimbursement forms and your one-time premium can be financed with your vehicle loan.

Extended Warranty Features:

Low deductibles – $0, $50, $100, or $200
Coverage for vehicles up to 11 years old with up to 150K miles on the odometer
Bumper-to-Bumper Exclusionary Coverage on vehicles up to 11 years old and with less than 100K miles
Toll-free roadside assistance
Toll-free claims phone number
Trip interruption coverage
Increased vehicle resale value
Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
Claims are paid directly via credit card
Service contracts are valid in the U.S. and Canada

To learn more or to get an Extended Vehicle Warranty, contact a Peach State loan representative or Warrantech directly at 800.358.2655.

3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

Fillable online
Calculates in real-time
Easy to use and understand

Frequently Asked Questions

These are a few of the commonly asked questions about Peach State.

For even more FAQs, check out our Member Knowledge Base.

Yes, you can consolidate your debt using one of these loan products: Personal Loan, Home Equity Loan, Visa Credit Card, or Cash Out First Mortgage Refinance.

Our C.A.R.E.S. Foundation was established in March 2021 with the goal of improving the lives of our neighbors with contributions throughout our community.

How do I apply for a loan or mortgage at Peach State FCU?

Applying for a loan only takes a few minutes! There are three ways to apply for a loan. To apply for a loan, you can apply online, call 770.580.6000, or visit a branch.