Loan Payment Protection 
You have dreams for you and your family – a happy retirement, college plans, a new car. But have you considered how you or your family would cover your financial obligations, such as the payment on your Auto Loan, Home Equity Loan, or Credit Card if you fell victim to an unfortunate event? First Financial's Loan Payment Protection program can help when the unexpected hits.
Life Coverage – Accident & Illness Balance Cancellation
Loan Payment Protection cancels your eligible loan balance up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.
Disability – Payment Cancellation
If you become disabled due to a protected illness or injury, Loan Payment Protection cancels your monthly loan payments, up to the agreement maximum.
Disability & Involuntary Unemployment – Payment Cancellation
If you become disabled due to a protected illness or injury or become involuntarily unemployed, Loan Payment Protection will cancel your monthly loan payment, up to the agreement maximum.
Guaranteed Asset Protection (GAP) Insurance
May Your Drive Be Protected - Enjoy 50% Off GAP Insurance When You Enroll Between 5/1 and 5/31/24!
GAP insurance is intended to cover the difference between the amount you owe on your Auto Loan and the amount the insurance company would pay if your car is stolen or totaled. Standard auto insurance typically only pays an amount up to the value of your vehicle. Our MEMBERS CHOICE™ GAP insurance would cover the loss if your loan balance is higher than the value of the vehicle.*
- Enroll in our MEMBERS CHOICE™ Guaranteed Asset Protection (GAP) program between May 1 - 31, 2024, and ensure discounted protection for the life of your auto loan - when you opt into the program upon your loan closing.
- Don’t let unexpected events jeopardize your financial stability. Enjoy peace of mind knowing that your auto loan payments are protected.
- A minimum $15,000 loan amount is required to be eligible for the 50% discount.
- This promotional offer is available for new loans only. Existing First Financial loans do not qualify.
Did you know adding GAP insurance on at the car dealership can typically cost $1,000 or more? With half off our MEMBERS CHOICE™ program when enrolling during the month of May, you'll pay as low as $350!**
Get started by contacting our Loan Department at the phone number below or at your local branch.
First Financial has made our Loan Payment Protection benefits available in a variety of packages, and you can choose a combination that suits your needs. Please contact us at 732.312.1500 – Option 4, for more details or to get started.
This is a summary of our Payment Protection Program. Enrollment in the program is voluntary and not required to obtain a loan. Payment Protection is a debt cancellation product available through CUNA Mutual Group/TruStage Insurance. Please contact your First Financial loan representative, or refer to your Member Agreement for additional information on benefit maximums, eligibility, and limitations.
*Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply.
**APR = Annual Percentage Rate. Not all applicants will qualify, subject to credit approval. Additional terms and conditions may apply. Actual rate may vary based on credit worthiness and term. First Financial FCU maintains the right to not extend credit, after you respond, if we determine you do not meet our guidelines for creditworthiness. A First Financial membership is required to obtain an Auto Loan and is available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. See credit union for details. A $5 deposit in a Base Savings Account is required to establish membership prior to opening any other account/loan. 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 your loan amount 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 is not available for CA residents. This GAP is optional and will not affect your application for credit or your loan or the terms of any loan agreement with us; and is not a contract for insurance. Current loans financed with First Financial FCU are not eligible for review or refinance. This promotional offer is available for new loans only. Existing First Financial loans do not qualify. A minimum $15,000 loan amount is required to be eligible for the 50% discount.
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 is not available for CA residents. This GAP is optional and will not affect your application for credit or your loan or the terms of any loan agreement with us; and is not a contract for insurance. Current loans financed with First Financial FCU are not eligible for review or refinance. This promotional offer is available for new loans only. Existing First Financial loans do not qualify. A minimum $15,000 loan amount is required to be eligible for the 50% discount.
Mechanical Repair Coverage
As vehicles get older and miles add up, the likelihood for repairs increases. Mechanical Repair Coverage can help you limit out-of-pocket costs for covered breakdowns.
To research, compare, and buy Mechanical Repair Coverage, visit creditunion.forevercar.com/firstffcu or call 855.927.0224
- Convenience - Easy-to-use, 24/7 online shopping experience
- Customer service - Expert service through a dedicated call center
- Monthly payments - Convenient monthly payment plan that fits your budget
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 WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.