Free refund calculator
This is a rough, pro-rata estimate, not a guarantee. Instant results, no email required.
Estimated refund
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How the math works
Add-ons like GAP and extended warranties are priced for the full loan term. When the loan ends early, the unused share is roughly: what you paid, times the months that were left, divided by the total term. Some states let the administrator subtract a cancellation fee, and some contracts use a slightly different curve. That is why we show a range, never a single number.
The quiz goes further than this page: it applies your state's actual rules and, where we have verified the statute, cites it in your letter. Get my personalized estimate ›