Loan Protection

Heritage USA offers a variety of loans. With those loans we have made it a priority to provide great, cost efficient products to ensure that you and your loan are protected.

Credit Life and Disability Insurance

Unfortunately life circumstances come out of nowhere and are usually unexpected. Credit life and Disability Insurance provides comfort and peace of mind in the midst of hardship. Whether you are disabled from work due to illness or in the event of an unexpected death, these products are designed to relieve the monthly payments or pay the balance. Both products can be added to your monthly payment together or individually. Ask one of our loan officers for more information.

GAP (Guaranteed Asset Protection)

The value of a new vehicle depreciates on average 20% the moment you sign. After the second year, your vehicle will depreciate on average 15% every year. This is where this great loan protection comes handy. Guaranteed Asset Protection better known as GAP covers the difference of what you owe on the vehicle to the value of the vehicle in the event of total loss. GAP is very affordable and does not affect the monthly payment amount. Speak with one of our loan officers today to find out more information.

MMP (Major Mechanical Protection)

Repairs on your vehicle can be quite costly. From broken door handles to faulty transmissions, unexpected expenses can be outrageous. The average cost of a single repair is higher than the average cost of a single warranty. That’s why we have provided the option of Major Mechanical Protection better known as warranty. The warranty options we have provided range in all different types of plans. Platinum, Silver, Gold, and Copper packages give you enough variety to fit your budget with terms up to 72 months or 100,000 miles depending on the vehicle. Don’t hesitate to ask one of our loan officers how you can protect your vehicle with this great product.