Loan Protection Chocolate Bayou Credit Union offers a variety of protection options at low prices. If you choose to finance your auto loan with us, we can package the cost of these products into your loan! Guaranteed Asset Protection (GAP) Never fear if your vehicle is stolen or totaled. If there is a gap between what your insurance pays and what you still owe on your automobile, boat, RV, or motorcycle loan, GAP will cover the difference. Extended Warranty Extended Warranty protection saves you from expensive costs associated with repairs that could be needed after your factory warranty expires. Credit Life/Credit Disability Give security to your loved ones in the event of your death and protect your credit if you become disabled. Credit Life pays your loan fully and Credit Disability makes your payments during a period of disability. Certain restrictions apply. Ding Guard Ding Guard provides another layer of coverage for your vehicle without you ever having to file a claim on your auto insurance policy. This product will repair dings and dents smaller than the size of a credit card and repair nicks in your windshield. Certain restrictions apply. Auto Exam Chocolate Bayou has partnered with Auto Exam to help give our members peace of mind when buying a used vehicle. For $119 an Auto Exam specialist will examine your potential vehicle for problems, and if you finance with Chocolate Bayou, we will reimburse you the fee! The loan must be $5,000 or greater.