Trona Valley Federal Credit Union - Loan Services | Trona Valley Federal Credit Union

Debt Protection with Life Plus

Protect the things that matter most.

If your life takes an unexpected turn, your finances could be strained. Debt Protection is your safeguard against the unexpected. It's just one more way you can look out for the people you love and protect your budget. This protection can be added to your existing loan with little or no impact to your current payment. Find out more about Debt Protection with Life Plus by inquiring at Trona Valley.

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Debt Protection with Life Plus 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. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

GAP Plus with Deductible Assistance

Optional protection for your vehicle loan – and your finances.

Don’t let a total loss become a financial loss, learn more about GAP Plus with Deductible Assistance.

If your vehicle is deemed a total loss due to an accident or theft, you may wind up owing more on your loan than your auto insurance will cover. GAP Plus with Deductible Assistance may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss and may help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need. Also, if auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.

Optional financial protection on your vehicle loan that helps you drive with confidence. Inquire today! Talk to a representative today about how we can help protect you from sudden out-of-pocket expenses with GAP Plus with Deductible Assistance.

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GAP, which includes deductible assistance, is not insurance; it is an optional debt cancellation product. GAP will not
affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements,
conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should
carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount
financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within
90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA,
IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are
likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund
of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any
time during the loan and receive a refund of the unearned fee.

Mechanical Repair Coverage

Optional protection against unexpected repair costs.

A breakdown can be troubling enough without the added worry of expensive repairs.

The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs. Help protect yourself from unexpected costly covered repairs – Talk to a Trona Valley representative to find out what Mechanical Repair Coverage plan is right for you.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.

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Make a Loan Payment

Do you need to make a loan payement? Trona Valley offers a varity of options. Choose the one that best fits your preference.

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Skip-A-Payment

Trona Valley offers members the opportunity to Skip-A-Payment* on a loan, due to unexpected circumstances. Your financial success is very import to us so when you have an unexpected hardship, rest assured we are here to assist you.

Members can submit a request through Online Banking. Login and click on the “Additional Services” tab. If you are not registered for Online Banking, it takes just a few minutes to register. You can also access our Skip-A-Payment form here.

Digital banking solutions are important at this time. We encourage members to utilize our E-Services, such as Online and Mobile Banking, Online Payment Center, and Remote Deposit. In addition, members can contact our Call Center in place of visiting a branch. In addition, Trona Valley’s mobile app allows you to check available balances, view transaction history, transfer funds between accounts, and pay bills.

*Must meet certain requirements based on loan status, such as time between previous skip, loan delinquency, and other criteria that could affect eligibility.

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