GAP insurance$895Refundable · unused 58%
Service contract$2,100Refundable · unused 58%
Estimated refund$1,520After cancellation fees

Early access · Car add-on refunds

Sold or paid off your car early? You may be owed a refund.

When you pay off, sell or trade in a car early, the unused part of the GAP insurance or warranty the dealer sold you is usually refundable. Dealers rarely mention it. We claim it for you.

How it works
60 secondsFree estimate
We do itPaperwork and follow-up
No refund, no feeYou keep 75%

A new approach

Get back what you didn't use

×The old way
  1. Step 1Pay off the car early
  2. Step 2Assume you're done
  3. Step 3Never cancel the add-ons
  4. Step 4Refund goes unclaimed
  5. Step 5Money lost
✓The new way
  1. Step 1Answer 4 questions
  2. Step 2Upload the contract
  3. Step 3We file the cancellations
  4. Step 4We chase the dealer
  5. Step 5You keep 75%

Why it matters

When a car leaves your hands early, part of what you paid the dealer usually comes back.

Unused coverage

If you pay off your loan early, the unused part of GAP and service contracts is often refundable, usually pro rata, minus any fee and claims paid.

Typical contract terms · varies by provider

Regulators noticed

Federal examiners found auto loan servicers failing to make sure borrowers got refunds of unearned add-on fees, such as GAP, after early payoff.

CFPB Supervisory Highlights, Issue 28 (2022)

Small fees

Cancellation fees are often modest, and some states cap them, such as at $50 in Illinois.

Typical contract terms · 215 ILCS 152/35

You have to ask

Service contract refunds usually need a cancellation request. Some states require GAP refunds after payoff, but examiners found borrowers didn't always get them.

Typical contract terms · varies by provider

What can be refunded

More add-ons than you think

We check every product on your purchase contract and cancel the ones that still have unused value.

  • GAPGAP insuranceMost common refund
  • VSCService contractExtended warranty
  • T&WTire & wheelProtection plans
  • P&FPaint & fabricProtection packages
  • CLCredit lifeLoan insurance
  • KEYKey replacementProtection plans

Your refund

We handle it end to end

Estimate$1,520In 60 seconds
A free estimate from four questions.
CancellationsFiledWith the dealer and providers
We do the paperwork and the follow-up.
Refund75%Is yours
No refund, no fee.

Early access

No refund, no fee.

You keep 75%No refund, no fee

We keep 25% of what comes back. If there's no refund, you owe nothing.

Questions

Why am I owed money?

GAP insurance and warranties are prepaid for years. If the car leaves your hands early, the unused part is usually refundable, minus a small cancellation fee.

Why didn't the dealer tell me?

Refunds have to be requested, and dealers often earn a commission on add-ons.

What do I need?

Ideally your purchase contract. If you don't have it, we can usually get it.

When can I start?

We're onboarding claims in small batches. Check your refund now and we'll contact you when your spot opens.

The dealer won't remind you. We will.