Debt Protection

Unfortunately, life can take an unexpected path. An unexpected job loss, death, or disability could prevent you from making loan payments. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family. That’s why we offer our members Debt Protection. Debt Protection could help by canceling all or part of your protected loan payment or balance should a protected life event occur.

Protected Life Events Include:

  • Involuntary unemployment
  • Disability
  • Loss of life

Debt protection is a voluntary loan payment protection product. All EdiFi CU personal, vehicle, home equity loans, and credit cards are eligible for protection. The fee for debt protection is specific to the amount and term of your loan and the protection package you select.

To add this protection, contact the Lending Department at 609-877-1911


Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
Account Type
Min Balance to Earn
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Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund for any fee paid. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. Debt Protection is not federally insured nor obligations of the credit union or any affiliated entity. DP-3137627.1-0620-0722.