(888) 753-7678

Frost is celebrating 20 years of providing innovative solutions to the auto-lending market and the 1999 launch of our VisualGAP platform! We would like to express our 'Thanks and Gratitude' to all of our client partners with a complimentary test drive of this valuable new service, The Monroney Window Sticker program!

Simply enter the VIN in VisualGAP to re-create the original window sticker and discover the options that were on the car when it left the factory.

Exclusive benefits for all Frost VisualGAP clients.

  • Avoid costly mistakes with more accurate valuations.
  • Eliminate power booking.
  • Get information beyond the VIN.

This is another exclusive value-add from Frost, which has already provided more than six million free NADA look-ups for our clients!

Please take this valuable new service for a test drive and we would love to hear your real life stories how it has worked for you! Please contact Stephanie O'Neill at 888-753-7678 if you have any questions.

Contest Corner


You can win great prizes by entering our VisualGAP® contests! You will be awarded an entry into the contest each time you sell a GAP waiver. The more GAP waivers you sell through VisualGAP® the more opportunities you have to win.

You can enter to win by clicking on 'Update Profile' in the 'Contest Corner' tab and selecting "Yes, enter me in the VisualGAP® contests". Please make sure to check with management at your Financial Institution prior to enrolling in the contests. You can always change your selection by clicking on 'Update Profile' at a later date.

This is a win-win situation for both you and your Financial Institution. The more you sell the more opportunities you have to win, but you also help protect more borrowers and generate more fee income for your Financial Institution.

If your Financial Institution does not want to participate in Contest Corner, please call us at 888.753.7678 and we can turn off access to the current contests for all loan officers.

NEW! In Version 4 - EasyQuote

Preview your new one-screen tool for creating quotes!
Every quote is made on one screen and seamlessly coordinates with VisualGAP® Presentations.

See how EasyQuote works for all of your quotes!
EasyQuote for GAP
EasyQuote for GAP and Warranty
EasyQuote for GAP, Warranty and Credit Insurance
View a video demo

Welcome to our New Login

  • You will continue to use your same Login and Password.
  • Once logged in you will be brought to the same Home screen you are accustomed to seeing.

The new Login Screen is the first step towards the launch of the new VisualGAP.

We are excited to soon begin showing you the updated version of VisualGAP and all the great new tools that are available to you.

In the coming weeks, please look for communications regarding information on the new site and for opportunities to take a test drive.

NADA Lender Advantage

Getting ahead is going to get harder, but Lender Advantage is here to help. Our team of experts provides a full suite of vehicle analysis services that put you in the fast lane so you can keep up with marketplace changes.

NADA Offers a Full Suite of Vehicle Analysis Services

Lender Advantage brings you the data and insight you need to make more informed business decisions, better manage portfolio performance and increase profitability. Select from the following services:

  • Vehicle Risk Analysis: Set realistic asking prices using up-to-date market data.
  • Remarketing Planning: Stay on top of changing wholesale market conditions
  • Portfolio Analysis: Understand the value of your portfolio today and in the future
  • Stress Testing: Evaluate portfolio performance under hypothetical economic and market scenarios.

Visit the NADA site to learn more!

Above and Beyond

Every team has them - those employees who go above and beyond to make a difference. The ones who gladly go the extra mile and we're inviting you to help us recognize them!

Go to our web site, tell us about someone who has gone above and beyond, and they will be entered into a quarterly drawing for $300. You know who they are - the ones who make it their job to make life better for a credit union member or other employees - inside the credit union or out in the community!

When it comes to protecting your member, your credit union and your bottom line, we, too, believe in going Above & Beyond. At Frost Financial (home of VisualGAP), we work with over 1,000 credit unions on insurance and lending products that protect the financial well-being of your members, drive revenue, lending growth and loss prevention. The launch of our TotalRestart depreciation protection program for low LTV auto loans is a prime example of our commitment to your success.

We look forward to hearing your Above & Beyond story! Please visit our web site, complete the recognition form and tell us what the team member did to go the extra mile. Because each quarter, we will select one Above & Beyond story at random from all those we receive and award that employee $300!

Letters of Guarantee (LOG) & Legal Jeopardy

How does the routine and common practice of signing a Letter of Guarantee with your borrower's physical damage insurance company become a legal nightmare for you? Simple. You signed up for it.

As is standard procedure, when a borrower totals his or her car, the insurance company sends the lien holder a summary letter and a document called a Letter of Guarantee (LOG). The Letter of Guarantee details what they will pay in return for releasing the title of the totaled auto. This letter is written by the insurance company and is, naturally, designed to protect their interests; however, it has the potential to jeopardize the interests, legal and financial, of you and your borrower──if you sign it!

Read here for details

IMPORTANT NOTICE! - Browser Update May Be Required

We are in the planning stages to terminate support of outdated Transport Layer Security (TLS) 1.0 and 1.1 protocols due to known security vulnerabilities. In keeping with industry standards and best practices, VisualGAP will migrate to TLS 1.2 for all components of our processes in the coming weeks.
In order to access VisualGAP you will need to make sure your web browser is updated and meets our new minimum browser requirements that support the latest, most secure protocols. Here are the general, minimum browser requirements for VisualGAP effective upon the update:

  • Google Chrome - version 30 or greater
  • Microsoft Internet Explorer - version 11 or greater
  • Microsoft Edge - all versions
  • Firefox - version 32 or greater
  • Apple Safari - version 7 or greater

Please make sure to engage your IT team if necessary to ensure that you will not be impacted. After the updated version of VisualGAP is in place, older browsers that attempt to access VisualGAP after the update will simply get a white screen with no warning or error message. If you are currently using one of the above browsers you will not be impacted by this change. If you are unsure of your browser version and need some assistance to determine your browser version please click here for step-by-step instructions.

Please watch for future communications regarding this update and contact us if you have any questions or if you need additional information at 888.753.7678.

Read more...What is TLS?
VisualGAP® Training Schedule


VisualGAP® offers online training sessions through GoToMeeting®. This is a very exciting way to re-train employees and train new hires on how to use VisualGAP®, and we believe it will have great benefits for everyone using the system. Here is a list of our up-coming Training Sessions:

Using VisualGAP®

How to use VisualGAP® - This training session will re-train employees or train new hires on how to use VisualGAP®.
Monday October 7 - 1:00 pm EDT
Wednesday October 9 - 11:00 am EDT
Monday October 14 - 1:00 pm EDT
Monday October 21 - 1:00 pm EDT
Monday October 28 - 1:00 pm EDT
Wednesday October 30 - 11:00 am EDT

Monthly Remittance

This session will train the employee who handles your GAP monthly remittance how to reconcile and remit payment.
Wednesday October 9 - 2:00 pm EDT

Filing Claims

Basics of how GAP claims should be processed.
Thursday October 24 - 2:00 pm EDT

TotalRestart Loyalty Membership Program

Frost has recently introduced an enhancement to our GAP program that can greatly increase the value of your GAP offering. Our new TotalRestart Loyalty Membership Program does more than just forgive a deficiency loan balance created by a theft or total loss. It helps borrowers replace their total loss vehicle with one similar to the one they originally purchased and financed with your Financial Institution.

Contact your local representative or email us at jtenhundfeld@frostinsure.com to learn how you can significantly increase your GAP sales by adding clear value and benefits to your GAP offering. Additionally, increase loyalty after a total loss and ensure that the loan for the replacement vehicle ends up with your Financial Institution.

TotalRestart is available exclusively through VisualGAP®.

ALG Annual Residual Value Awards

Each year, ALG honors vehicle brands most likely to retain their value.

Visit the ALG website for the list of this year's award winners.

© 2018 Frost Financial Services, Inc.