Am I eligible for a Navy Federal GAP refund?

You're typically eligible for a prorated Navy Federal 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 Navy Federal?

Submit a written cancellation request to Navy Federal Credit Union with your loan payoff proof and GAP addendum. Contact details and required documents are listed above.

Navy Federal 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 Navy Federal Credit Union 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 Navy Federal Credit Union processes GAP refund requests

Last verified: June 12, 2026

Phone

(888) 842-6328

Mailing address

820 Follin Lane SE Vienna, VA 22180

Cancellation process

Call member service line or visit branch. Members get expedited processing. Full refund within 30 days.

Required documents

Required: GAP agreement, Loan payoff letter, Odometer statement, Membership verification. Recommended: Military ID copy.

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

Estimate your refund

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

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