GAP Waiver | iLendingDIRECT

We offer Guaranteed Asset Protection that helps to pay off your loan when you have an unexpected vehicle total loss.

Guaranteed Asset Protection (GAP) is a supplement to your primary automobile insurance policies. It covers the difference between your outstanding automobile loan balance and the depreciated actual cash value of your vehicle in case of a total loss. On average, Guaranteed Asset Protection (GAP) costs just .45 cents a day. That’s less than the cost of a cup of coffee.

GAP waivers, often called GAP insurance, is a type of policy that was born out of necessity. The high cost of new cars and the calculation of the actual value versus the market value of vehicles created an ever-widening gap between the car loan amount and what an insurance company would actually pay for the vehicle if it were a total loss. We are here to close that gap for you.

At iLendingDIRECT, we want to ensure that an accident that results in a total loss won’t become a financial catastrophe for you. Our bank and credit union partners will allow you to participate in the GAP waiver program with no cash out of pocket.

Call us today, so our expert loan consultants can help fit this protection into your budget and your monthly payment. Reach us at (866) 683-5505 or fill out our contact form.

*GAP is designed to help in covering the unpaid balance of an automobile loan in the event of a total loss of the vehicle. The GAP wavier coverage amount will vary based on the amount still owed and the current value of the vehicle.

Why Choose iLendingDIRECT?

We'll Find You Low Rates

We partner with a nationwide network of lenders to get you the most competitive rates in the country.

You'll Get a Custom Loan Solution

We work to find a solution that fits your unique situation, regardless of what you’re paying or how much you owe.

We Are Here For You

Our experienced loan consultants are highly-trained and will offer a thoughtful and compassionate solution to your individual situation.

Your Vehicle Refinance Is Just The Beginning

We are a full spectrum finance company offering refinancing, cash back, lease buyout, and more.

It's Quick & Easy

Your time is valuable; Our process is simple, and you can do it all from home or your mobile device.

No Money Down

You can keep your cash, and refinancing your vehicle may even allow you to skip a month's payment, saving you even more money.

Case Studies

Case Studies
iLendingDIRECT Relieves Customer Debt Burden

Kim called a few of the companies advertised in the mailers and ultimately chose iLendingDIRECT to provide her refinancing. “They were the best at getting back to me and I trusted my iLendingDIRECT representative, Eric, right away.” Remembering their first conversation, Kim says, “When Eric found out how high my current interest rate and payment were, he immediately got to work!”

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Customized Financial Solutions

Our solutions are customized, flexible and tailored to help a wide range of customers, including:

  • Anyone needing to reduce monthly expenses
  • Couples going through a break-up where one person needs to be taken off of a car loan
  • Someone trying to build or rebuild their credit
  • Someone whose credit has improved and they wish to lower their monthly car payment

Who We Are

iLendingDIRECT connects clients with auto finance providers to help them refinance their auto loan quickly and easily. iLendingDIRECT works with a network of nationwide lenders to offer the most competitive rates in the industry, with personalized attention from experienced loan consultants.

In business since 2006, iLendingDIRECT is a national leader in auto refinancing, voted one of the 2016 and 2017 Best Places to Work by the Denver Business Journal, named to the 2016 Inc. 5000 list and is a BBB Accredited Business with an A+ rating.

Our Story

What Customers Are Saying About Us

“Lori Cote was an amazing person to work with. She went above and beyond to help me. She even texted me when she wasn’t working. She made herself very available. Very easy to get in contact with, and responded to questions in a very timely manner. She took time to listen to me about my current situation, and she actually was able to get it done. Thanks Lori. I couldn’t ask for a better experience.”

Current Customer

What Customers Are Saying About Us

“I would like to thank Scott Gosney for walking me through this process that I have never done before, he was very good at explaining everything, I am not too computer savvy and he took the time emails and text to make this possible!! If I know or hear anyone looking to refinance, I will definitely refer Scott Gosney !! Thank you again!!”

Current Customer

What Customers Are Saying About Us

“Was a stress-free easy process, Phil Carter guides you through the process. Was happy with the outcome as well.”

Current Customer

What Customers Are Saying About Us

“Good morning, I was looking to refinance my car payment which was originally too high, I contacted Seth Russell who was a professional and he took his time to answer all my questions. He didn’t pressure me at all. He worked with me and got me the best deal.”

Current Customer

Get Started Today

At iLendingDIRECT we care about your financial health! Let us help put cash back in your wallet, protect your vehicle, and secure your budget.

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Other Services

Lease Buyout

If you lease your vehicle, there are many options that allow you to keep your vehicle and save money.

Vehicle Service Contract

Vehicle Service Contract gives you peace of mind.

Auto Refinancing

We have developed long-time relationships with banks and credit unions, and have already negotiated low interest rates to help you save money on your car, truck, SUV, motorcycle, RV or boat.

Buy Your Company Car

We can help you purchase your company car and educate you on the available options.

Cash Back

Vehicle paid off? Get cash back to pay for other expenses.

Have a Question?

Call us now to start saving right away!

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