You’ve worked hard to build a life for you and your family—and we think it’s important to protect it. Having the proper coverage in place can make a big difference when it comes to paying for auto repairs, replacing a vehicle, or covering your loan payments in the case of an unfortunate event.

We offer a range of additional coverage and protection plans that make sure you get the coverage you need to protect your way of life when the need arises.

Give us a call at 503.228.7077 or 800.527.3932 or stop by an OnPoint branch to sign up today.

Mechanical Breakdown Protection

Your car is a major investment. Unfortunately it won’t stay new forever and even with the warranty, the repairs you need may not always be covered. Mechanical Breakdown Protection (MBP) ensures that your vehicle is protected and reduces the possibility of paying out-of-pocket costs when your vehicle suffers unexpected mechanical failure.

GAP Advantage

If your car is totaled in an accident or stolen, most insurance companies only pay the cash value of your vehicle at the time of the loss—leaving you with the remaining costs. Guaranteed Asset Protection Advantage (GAP Advantage) helps to protect the deficiency balance on your loan in the event of a total loss of your vehicle and gives you added peace of mind at a time when you need it most. Additionally, GAP Advantage also provides you with a credit of up to $1,000 towards the financing of a replacement vehicle1.

Payment Protection

Life happens and sometimes it’s not always what we expect. Payment Protection helps relieve the financial stress related to making loan payments when your life takes an unexpected turn. With Payment Protection, your consumer or home equity loan or line payments1 will be cancelled without penalty, added interest, or being reported as delinquent in the event of a disability, involuntary unemployment, a hospital stay or death. Enjoy the added security that Payment Protection can offer.


1 In the event of a total loss to the eligible collateral, you may be eligible to receive an additional credit in the amount of $1,000. In order to receive this additional credit, you must purchase or finance, within 90 days from the date the eligible collateral is determined to be a total loss, a like replacement eligible collateral from OnPoint. The GAP Advantage Protection credit has no cash value and will only be paid in the form of a credit towards the amount financed as shown in your replacement eligible collateral loan or lease.
2 See payment protection plan for details.