Am I eligible for a Exeter Finance GAP refund?

You're typically eligible for a prorated Exeter Finance GAP refund when you pay off your auto loan early, sell or trade the vehicle, refinance, or the vehicle is totaled. Your exact right to a refund comes from your state's GAP law and your GAP contract.

How do I request a GAP refund from Exeter Finance?

Submit a written cancellation request to Exeter Finance with your loan payoff proof and GAP addendum. Contact details and required documents are listed above.

Exeter Finance GAP Refund: How to Cancel and Get Your Money Back

Your right to a GAP refund comes from state law and the terms of your GAP contract — not from Exeter Finance alone. Most states require a prorated refund of the unused premium when your loan ends early, and some require the refund automatically. See your state's GAP refund rules →

How Exeter Finance processes GAP refund requests

Last verified: June 11, 2026

Phone

(800) 321-9637

Mailing address

PO Box 166008 Attn: Customer Service Irving, TX 75016

Cancellation process

Provide your account details and the reason for cancellation. If your loan is paid off early, the refund amount will be applied to your loan balance. Refunds are typically processed within 30 to 60 days. Contact via phone at (800) 321-9637, or submit online at https://myaccount.exeterfinance.com.

Required documents

Loan payoff letter, bill of sale

No source-verified email is published for Exeter Finance. Send your request by mail or phone, or verify an email address on Exeter Finance's official site before using it.

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GapInsuranceRefunds.com is independent and is not affiliated with or endorsed by Exeter Finance. The contact information and process details on this page were compiled from public sources and may change — always confirm directly with Exeter Finance before sending anything.

This page is provided for informational purposes only and does not constitute legal, financial, or insurance advice.