An intelligent, consumer-first platform that helps you identify, estimate, and recover unused GAP insurance premiums after paying off or ending your vehicle financing early.

GAP Refund Calculator: Free 2-Minute Estimate by State

Find out in 2 minutes if you're owed a GAP refund after paying off, selling, or refinancing your car. Free estimate, state-specific, no signup.

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Complaints — Complaints on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Eligibility — Find out in 2 minutes if you're owed a GAP refund after paying off, selling, or refinancing your car. Free estimate, state-specific, no signup.
FAQ — FAQ on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Terms Of Service — Terms Of Service on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Privacy Policy — Privacy Policy on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Disclaimers — Disclaimers on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Guarantee Terms — Guarantee Terms on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
About — About on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Glossary — Glossary on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Contact — Contact on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
What Is Gap Refund — Yes, GAP insurance is usually refundable when your loan ends early or you cancel. See how much you get back, what a GAP refund check is, and how to claim.
How Long Gap Refund — Most GAP refunds arrive 30 to 60 days after your request. See state deadlines, what slows a refund, GAP claim payout times, and what to do if it's late.
How To Get Gap Refund — How to get your GAP insurance refund in five steps, including dealer-sold GAP: who to send it to, what to include, and what to do if you're ignored.
Cancel Gap Insurance — Yes, in most cases. See when to cancel GAP, how to cancel dealer GAP, how much you get back, and where the refund goes if you still have a loan.
Legal Hub — Legal Hub on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Unsubscribe — Unsubscribe on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Texas Gap Refund — Texas Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
California Gap Refund — California requires automatic refund of unearned GAP within 60 business days of early loan payoff — no request needed, no cancellation fee allowed.
Gap Refund Pro Rata Vs Rule Of78s — Gap Refund Pro Rata Vs Rule Of78s on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Diy Gap Refund Guide — Everything to claim your own GAP refund: documents you need, where to send the request, deadlines by state, and what to do if they stall.
Gap Refund Letter Template — A ready-to-send letter demanding your unearned GAP refund, with the details providers require. Copy it free or let us prepare and submit it for you.
Westlake Financial Gap Refund — Westlake Financial Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Florida Gap Refund — Florida law (eff. Oct. 1, 2024) requires a refund of unearned GAP on early loan termination — request it in writing within 90 days. Fee capped at $75.
Washington Gap Refund — Washington law (RCW ch. 48.160) requires a refund of the unearned portion of your GAP — written request due within 90 days of termination.
New Jersey Gap Refund — New Jersey law (N.J. Stat. §17:16BB-6) requires a pro-rata refund of unearned GAP automatically within 60 days — no borrower request needed.
Alabama Gap Refund — Alabama's GAP Waivers Act (§ 8-37-6) requires the creditor to refund pro-rata automatically within 60 days of early payoff — no request needed.
Oregon Gap Refund — Oregon law (ORS 646A.781) provides the cancellation refund automatically when the finance agreement ends — voluntary cancellation: 90-day request.
Colorado Gap Refund — Colorado law (C.R.S. 5-9.3-106) requires lenders to refund unearned GAP automatically on early payoff for 2024+ agreements. Older GAP: ask in writing.
Michigan Gap Refund — Michigan Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Arizona Gap Refund — Arizona Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
North Carolina Gap Refund — North Carolina Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Indiana Gap Refund — Indiana Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Minnesota Gap Refund — Minnesota Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Georgia Gap Refund — Georgia Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Virginia Gap Refund — Virginia Gap Refund on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.
Gap Refund Hub — Start here: check eligibility free, see your state's refund law, and get the letter template that gets providers to pay.
Gap Refund Laws By State — Every state's GAP refund rules: statutes, request deadlines, cancellation fee caps, and free-look windows — verified and updated August 2026.
Embed Calculator — Embed Calculator on GapInsuranceRefunds. Get money back on unused GAP insurance with GapInsuranceRefunds.

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