Gap policies can save your ass in some cases but only really work out if you buy something right off the lot and then wreck it in the first one to two years. I used one when I went through with my suburban loan but cars depriciate faster than boats..... and I had almost no down payment.
Another company that might be of limited intrest is GESA credit Union, they are located in washington state but they will loan on terms out to 180 months, www.gesa.com
. They have a scaling factor based on loan amount and months so read all the fine print carefully.