GAP and warranty refunds are request-only in most states
You may be owed a refund on your old car's GAP or warranty.Most people never ask.
When you pay off a car loan early, trade in, refinance, or total the vehicle, any GAP insurance or extended warranty you paid for stops covering you, but the unused portion is usually still refundable. In most states you have to request it yourself.
State rules cited to statute
You file it yourself. We never contact anyone for you
Free to check
Example estimate
Example scenarioGAP $895 + extended warranty, loan paid off 14 months early
Estimated refund range
$240 to $520
- Loan paid off early: refund window open
- GAP: prorated refund typically available
- Warranty: prorated refund typically available
Illustrative example only. Your estimate is computed from your inputs and your state's rules.
The kit builds your request letter. You send it, and the refund comes to you.
Why this is real
- In November 2023 the CFPB ordered Toyota's finance arm to pay $60 million over illegal lending practices, including roughly $32 million to customers who never received refunds owed on GAP and similar coverage.
- Colorado's attorney general has secured over $23.5 million in GAP refunds for nearly 132,000 vehicle owners since 2019, in settlements with lenders and credit unions that had not paid what was owed.
- The CFPB's own consumer guidance says you may be entitled to a refund if you sell, refinance, or prepay your auto loan, and to check with your lender or the provider.
In most states the refund is request-only: nobody sends it unless you ask. The kit's letter is that ask, in writing, citing your state's rule where we have verified it.