Loan Enhancements

M1 GAP Plus Waiver with Auto Deductible Reimbursement (ADR)

Protect your current loan—and your next one.

GAP Plus with ADR offers peace of mind when the unexpected happens. If your vehicle is totaled or stolen, your insurance may only cover the actual cash value (ACV)—which could be less than what you still owe. GAP Plus helps cover the difference, so you’re not left paying out of pocket for a vehicle you no longer have.

What GAP Plus Covers

Pays the difference between your loan balance and your insurance settlement
Covers up to $1,000 of your insurance deductible (if included in the GAP amount)
Includes 2 years of ADR (Auto Deductible Reimbursement)
Plus $1,000 credit toward your next vehicle loan financed with us if you used our GAP Plus on a total loss

Auto Deductible Reimbursement (ADR) Benefits

Reimburses up to $500 per loss, with unlimited claims per year
Applies when your insurance pays a collision or comprehensive claim
Coverage begins immediately upon enrollment and lasts for 2 years
Available for all vehicles you own or lease and insure under your name

Extended Warranty

Competitive Prices. Long-Term Protection. Total Peace of Mind.

Even the most reliable vehicles can experience unexpected breakdowns. That’s why M1 offers Extended Warranty—a comprehensive vehicle service contract that protects you from costly repairs and gives you confidence on the road.

Why Choose M1 Extended Warranty?

Covers all makes and models of vehicles
Nationwide protection—no matter where you travel in the U.S.
$0 deductible on covered parts and labor
24/7 roadside assistance and rental car allowance included
Transferable coverage adds resale value to your vehicle
Lowest cost, best coverage in extended service plans

What’s Covered?

From engine and transmission to electrical and air conditioning systems, our product offers protection that goes beyond your manufacturer’s warranty. Whether you’re buying new or used, you’ll be covered for major mechanical expenses.

Flexible Terms

Choose from a variety of long-term plans to fit your driving habits and budget. Coverage begins the day you enroll and continues for the duration of your selected term or mileage—whichever comes first.

Ready to Enroll?

Contact us today to learn more or to add M1 Extended Warranty to your vehicle. You do not need to have a loan to benefit from the coverage!

90 Day 1st Pay Delay

Skip the Stress — Pay Later with 90-Day First Payment Delay!

Buy now. Pay later. Drive happy.

At M1, we know that timing matters—especially when you're making a big purchase like a vehicle. That’s why we offer a 90-day first payment delay on qualifying loans. It’s our way of giving you a head start and a little breathing room when you need it most.

Why Members Love It:

No payments for 90 days — enjoy your new ride without the immediate financial pressure.
More time to budget — use the extra time to plan, save, or take care of other priorities.
Perfect for seasonal expenses — whether it’s back-to-school, holidays, or summer travel, you’ll have more flexibility.
No prepayment penalties — pay early if you want, but you’re never required to.

How It Works:

Available on qualifying auto and recreational loans
Applies to both new and used vehicles
Interest accrues during the deferral period, but you won’t owe a payment until month four

Start Strong, Stay Ahead

This isn’t just a delay—it’s a financial advantage. By deferring your first payment, you can:

Build an emergency cushion
Pay down higher-interest debt
Enjoy your purchase without immediate stress

Ready to take the wheel?
Apply online, call us, or visit your local branch to ask about the 90-day first payment delay option today!

Pay.My.Loan

M1 Pay.My.Loan Debt Protection

Do everything you can to take care of the ones you love.

An unexpected job loss, death, or disability could prevent you from making loan payments. Pay.My.Loan can help by canceling all or part of your protected loan payment or balance should a protected life event occur. Pay.My.Loan has easy eligibility requirements and can be added to any M1 consumer loan, credit card, or Home Equity loan at any time! Contact one of our loan representatives today!

What Is Debt Protection?

M1 Pay.My.Loan is a voluntary debt protection program that may cancel or reduce your loan balance or payments—up to contract maximums—if the unexpected happens.

Covered Events:

Involuntary unemployment
Disability
Death

Add More Peace of Mind with Life Plus

Extended Coverage Includes:

Accidental dismemberment
Terminal illness
Hospitalization or family medical leave
Death of a non-protected dependent

Why Choose M1 Pay.My.Loan?

It’s Easy: Simple to apply and takes effect immediately.
It’s Budget-Friendly: Comfortably fits into your monthly payment.
It Puts You at Ease: Rest easy, knowing you’re taken care of in so many problem situations.

Real Protection. Real Convenience.

If your claim is approved, M1 Pay.My.Loan will do exactly what it promises—pay your loan for a period of time so you can focus on what matters most.

Take a Step Toward Financial Security. Ask us about enrolling in M1 Pay.My.Loan today.

Skip A Payment

Want some extra cash around the Holidays?

Take advantage of our Skip-A-Pay Program and skip your December loan payment.

Need Auto Insurance Coverage?

TruStage® Auto & Home Insurance Program

You trust your credit union to make products and services available to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance companies, these programs offer discounted rates specifically designed for credit union members, as well as online services and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your Free Quote today or call 1-855-483-2149.

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC, P.O. Box 61, Waverly, IA 50677-0061, and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. © TruStage Insurance Agency 2020