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Loan Protection

Protect yourself from the unexpected

Prepare for the unexpected with Lone Star Credit Union's loan protection options. LSCU can give you peace of mind and help protect your loan and your family when the unexpected happens.

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Credit life insurance

Pays off your eligible loan balance, up to the policy max, after an unexpected life event.

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Credit disability insurance

Makes your loan payment, up to the policy max, if you become disabled from a covered incident.

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Depreciation protection

Cover the difference between the purchase value and NADA Retail value of the vehicle in the event of a total loss.

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Member credit protection

A one-time fee to protect your assets in a time of loss, including forgiving outstanding loans.

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Vehicle service contract

Cover the cost of mechanical breakdown and 24/7 roadside assistance for added peace of mind.

Credit life insurance

Don't burden your family with outstanding loans

Protect your family from outstanding debt. Should an unexpected life event occur, credit life insurance from Lone Star Credit Union will pay off your eligible loan balance, up to the maximum policy amount, so your family can be financially free and clear.

Credit disability insurance

Make your loan payments, even if you can't

Some life events, like sickness or an accident, might leave you unable to pay your monthly bills. With credit disability insurance from LSCU, we'll cover your monthly payments until you get back on your feet if you ever become totally disabled due to a covered incident.

My husband insisted that we purchase the vehicle service contract. I never thought I would have to use it, but today Iā€™m so grateful that we did. Last Spring, the kids and I were coming home from travel ball and had a breakdown. I was able to get roadside assistance late at night, and a rental the next morning to get us home. Never quicker or easier!

— Rachel G.

How it works

It's easy to get loan protection coverage from Lone Star Credit Union.

  • 1

    Call us

    Contact an LSCU representative to get started.

  • 2

    Learn more

    Discuss the various loan protection coverages to see what fits your needs.

  • 3

    Enjoy protection

    Feel the peace of mind knowing you're protected.

Contact us to learn more


Have a question? Contact us

Don't let life's uncertainty stress you out

With loan protection coverage from Lone Start Credit Union, we’ll help cover your loan payments or those unplanned out-of-pocket expenses should something unexpected happen. Talk to an LSCU representative to learn how to protect your loans.

  • *For a complete explanation of the benefits and rules, see the Member Credit Protection Addendum and Disclosure provided by your Credit Union Financial Officer. The purchase of Member Credit Protection is voluntary and cannot be required as a condition of loan approval. Member Credit Protection is a payoff shortfall and debt cancellation waiver.

    **Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company 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 Group Policy for a full explanation of the terms. CDCL-1473089.1-0416-0518

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