GAP

ACS has teamed up with top GAP insurance providers to offer a wide range of solutions tailored to both consumer and dealer needs. Whether it’s extended terms up to 96 months or specialized Buy Here Pay Here programs—we’ve got you covered.

Our GAP coverage helps protect your customers from financial loss if their vehicle is deemed a total loss due to theft, collision, fire, or other covered events. GAP bridges the gap between the remaining loan balance at the time of loss and the insurance payout, ensuring your customers aren’t left paying out of pocket.

Coverage Includes:

• Coverage up to 150% Loan-to-Value (LTV)

• Dealer-friendly options with no chargebacks

• Terms available up to 96 months

• Dedicated Buy Here Pay Here solutions

Why your customers need GAP insurance:

• To guard against rapid vehicle depreciation

• When making a low or minimal down payment

• For long-term financing (3 to 5+ years)

• If their loan includes a balloon payment

• When their auto insurance has a high deductible

With ACS’s GAP programs, your customers gain peace of mind—and you gain a valuable tool to strengthen your dealership’s offerings.