GAP Protection & Extended Warranty

Guaranteed Asset Protection (GAP)

In the event your vehicle is stolen and never recovered or damaged beyond repair, GAP waives the difference between your primary carrier’s insurance settlement and the  payoff of your loan or lease up to a certain amount, less delinquent  payments, late charges, refundable service warranty contracts, and other insurance related charges. Included in this difference is your insurance deductible, up to $1,000.* GAP is a voluntary, non-insurance program that is offered as protection on your financed vehicle to enhance, rather than replace, your standard comprehensive, collision, or liability coverage.

EXAMPLE: The following is an example of GAP in action: Your one-year-old financed vehicle is totaled beyond repair…  Your loan balance is $15,000. Your loan company settlement is $10,000 based on your vehicle’s market value  ($11,000) less your insurance deductible $1,000. Total amount you owe without GAP: $5,000 TOTAL AMOUNT YOU OWE WITH GAP: $0

Who does GAP protect?

GAP  is designed for all drivers, whether you are financing or leasing a new  or used vehicle. Most automobiles, vans, light trucks, and motorcycles are eligible.**

Ask your lending representative to add GAP to your loan or contact the lending center at 1-800-225-1859 to learn more.

Extended Warranty

Competitive prices, long-term vehicle service contracts

EdiFi has partnered with Route 66 Extended Warranty to offer our members the most comprehensive mechanical breakdown coverage for all makes and models of automobiles. A long-term vehicle service contract helps you enjoy your new purchase and maintain "Peace of Mind" because even the most reliable vehicle can develop a mechanical problem. With the complexity of today's vehicles, one major repair often costs more than the contract. And since our vehicle service contract is transferable, it increases the resale value of your vehicle to potential buyers.

No matter where you travel in the United States you are protected against major mechanical expenses, and there is no deductible on covered parts or labor. When repairs are necessary or questions arise, simply contact Route 66 prior to any repairs and they will take care of it from there…It’s that simple. Route 66 lets you use the repair facility of your choice and pays your claim quickly and efficiently over the phone.

Inclusive Benefits:

  • No Deductible
  • Nationwide Coverage
  • 24/7/365 Emergency Roadside Service
  • 30 Day Money-Back Guarantee
  • Transferable
  • Direct Claim Payments Via Visa/Mastercard

All plans come with Rental Car Allowance and 24 hour/7 days a week and Emergency Roadside Service which includes:

  • Towing
  • Flat Tire Assistance
  • Battery Jump Starting
  • Lock-out Service
  • Minor Adjustments

Can I buy this same type of coverage through the dealer?
Perhaps, but you may pay as much as 60% more for the similar coverage and be required to have repairs done at the dealer facility. With Route 66, you have the freedom to go for repair service wherever you like throughout the United States.

Extended Warranty Plans


  • Engine
  • Standard Transmission
  • Automatic Transmission
  • Drive Axle Assembly
  • 4-Wheel/ All-Wheel Drive
  • Cooling
  • Electrical


Includes all items in First Street PLUS:

  • Air Conditioning
  • Steering
  • Brakes
  • Cooling
  • Engine
  • Fuel Delivery
  • Front Suspension
  • Electrical
  • Automatic Transmission


Because we cover so many components, it's not possible for us to list everything that falls under out coverage. Instead, we list a small number of parts that are not covered: oil, brake shoes, belts, tires, tune-up items, filters, a/c coolants, exhaust and emission parts, sound reproduction, lighting, cosmetic and body parts, glass, and paint.

Ask your lending representative to add Route 66 to your loan or contact the lending center at 1-800-225-1859 to learn more.

Complete terms and provisions are contained within each Service Agreement. Please refer to your Service Agreement for complete details.

*Deductible waiver is available in most, but not all states. Please consult your financing representative for the availability of this benefit.

**GAP is  subject to limitations and exclusions. Please see the GAP Waiver for a  complete list of program terms and conditions or consult your financing representative to determine if your vehicle is eligible for GAP.

Important Disclosures Regarding the Program

(1)  This product is optional. Gap is a loan/lease deficiency waiver and is  not offered as insurance coverage. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with us.

(2) We will give you  additional information before you are required to pay for the program. This information will include your cost and a copy of the contract, containing the terms and conditions of this program.

(3) There  are eligibility requirements, conditions, limitations and exclusions  that could prevent you from receiving benefits under the program. You  should carefully read the contract for a full explanation of the terms  and conditions of the program.