Is GAP insurance refundable after I pay off my car?

Usually yes. If you paid off, refinanced, or sold a financed car before the loan's scheduled end and no GAP claim was ever paid, the unused portion of your GAP charge is typically refundable. It is almost never refunded automatically — you have to request it in writing from the right party.

How much GAP refund will I get?

Most GAP refunds land in the low hundreds of dollars and shrink the closer you are to the end of the term. We show an estimated range (not a single number) because administrators use different formulas and we don't have your exact contract. The free estimate on this page gives you that range.

Does the refund come to me or my lender?

If your loan is paid in full, the refund is usually paid to you directly. If your loan is still open, it's typically applied to your loan balance by the lender rather than sent to you as cash.

What do I get for $29?

A personalized GAP Refund Report plus the full Recovery Kit: who to send your request to, a ready-to-send cancellation letter, a document checklist for your situation, a phone follow-up script, an escalation plan (CFPB and state Attorney General), and a follow-up schedule.

Do you file the request for me?

No. RefundGPS gives you information and document templates that you send yourself. We are not a law firm, we don't give legal or financial advice, and we are not affiliated with any GAP administrator, lender, or dealer.

What if I'm not eligible?

The estimate on this page is free — it tells you honestly if a refund is unlikely before you spend anything, so you only buy the kit when it's worth claiming. The kit is a do-it-yourself toolkit (report + templates), not a service. Because it's an instant digital download, all sales are final.

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FREE · NO PAYMENT

Find the refundable add-ons hidden in your car loan

When you financed your car, the dealer likely rolled optional products into your loan. If you paid off, refinanced, or sold early, the unused part of many of them is refundable — but only if you find them and ask. This free checklist shows you how.

WHAT’S INSIDE

The 8 optional add-ons most often financed into a car loan — and which are refundable
Exactly where to find them on your contract (the line most people miss)
A 60-second phone script to make the servicer list them for you
Which life events (payoff, refinance, sale) trigger a refund — and who actually pays you

Already know it’s GAP and you paid off or refinanced? Skip the checklist — get your free GAP refund estimate instead.