Get the GAP refund you’re owed after paying off your car.
Paid off, refinanced, or sold your financed car early? The unused part of your GAP coverage is usually refundable — but no one mails it to you. You have to ask the right party, the right way. Get a free estimate, then the exact kit to claim it.
Free estimate·no account·instant access to the $29 kit
Example output from sample inputs. Estimates are ranges, not guarantees. Run your own below.
Run a free estimate. No account, no payment.
Four quick questions tell you whether you likely have a refundable balance, roughly how much, and where the money should land. This is the actual tool — nothing is hidden behind the $29.
Based on a typical unused balance for these answers. Your real number depends on price, term, and time elapsed.
Where the money goes: With the loan paid in full, a refund is typically cut to you. On an open loan it usually applies to the balance.
- Who actually pays you (named for your case)
- Ready-to-send cancellation letter.docx
- Document checklist + phone script7 items
- Escalation plan + follow-up scheduleCFPB
Secure checkout via Stripe · instant digital download
Most refund requests go to the wrong party.
Three parties touch your GAP contract. Only one can actually cut the check. Send your request to the wrong door and it quietly dies — which is why the kit names the right one for your case.
Sold you the GAP
Often where people start — and usually a dead end. They take the message, rarely the refund.
Held your loan
Relevant if the loan is still open — a refund may land on the balance, not in your account.
Holds the refund
Named on your GAP addendum. This is who can cut a check — when the request is formatted and sent the right way.
One certified letter, to the administrator, in the format they accept → a refund that can actually be cut.
Three steps. You keep 100% of what you recover.
- STEP 01
Answer 4 questions
Takes about a minute. Get a free probability score and an estimated dollar range — no account, no payment.
- STEP 02
Get your report + kit for $29
A personalized report names who pays you and includes a ready-to-send letter, checklist, scripts, and an escalation plan.
- STEP 03
Send it and follow up
Mail the certified letter, track it with the follow-up schedule, and escalate if needed. Any refund goes straight to you.
The GAP Refund Recovery Kit
One flat price. Everything you need to make the claim yourself, correctly, the first time.
Free estimate first — only buy if it’s worth it
- 01
Personalized report
With your probability score and estimated range.
- 02
Who actually pays you
The right party named for your case.
- 03
Ready-to-send cancellation letter
Editable .docx, formatted to be accepted.
- 04
Document checklist
Exactly what to gather before you send.
- 05
Phone follow-up script
What to say, and what to ask for.
- 06
Escalation plan
CFPB and state AG, step by step.
- 07
Certified-mail walkthrough
So it lands where a check can be cut.
- 08
Follow-up schedule
When to check in, and when to escalate.
What we won’t pretend.
Skeptical is the right way to read a page like this. So here’s the honest version — the same things we’d tell a friend.
Usually a few hundred dollars
Not thousands. Real, worth claiming — but we’ll never quote you an exact amount we can’t back up.
It may go to your loan
If your loan is still open, a refund can apply to the balance instead of arriving as a check.
We don’t file for you
You get the info and templates to do it yourself. This is not legal or financial advice.
See exactly what $29 produces.
An anonymized sample of the report you receive. Real software, real structure — no mystery box.
GAP administrator named on addendum (redacted in sample)
Certified mail + return receipt
Unused term · paid off month 22 of 72
Day 15, day 30, then escalate
Included: cancellation_letter.docx
Pre-filled with your dates and the right recipient — ready to print and mail.
The skeptical questions, answered.
Is a GAP refund really owed after payoff?
Usually, yes. GAP is priced for the full loan term. End the loan early — payoff, refinance, sale, or total loss — and the unused portion is generally refundable. But it’s almost never automatic; you have to request it from the right party.
How much money are we talking about?
Typically a few hundred dollars — driven by what you paid for GAP, the loan term, and how early it ended. Your free estimate gives a range, not a promise. We never quote an exact figure we can’t stand behind.
Who actually sends the refund?
Usually the GAP administrator named on your contract addendum — not the dealer who sold it. If your loan is still open, the refund may apply to the balance through your lender. The kit names the right recipient for your situation.
What’s actually in the $29?
A personalized report (score + range), who pays you, a ready-to-send cancellation letter (.docx), a document checklist, a phone script, an escalation plan for CFPB and your state AG, a certified-mail walkthrough, and a follow-up schedule. One flat price, no subscription.
Do you file the claim for me?
No. We give you the information and templates to do it yourself — that’s how you keep 100% of any refund. We are not a law firm or financial advisor, and this is not legal or financial advice.
What if I’m not eligible — or it doesn’t work?
The free estimate tells you honestly if a refund is unlikely — before you pay anything. So you only buy the kit when it’s worth claiming. The $29 kit is a do-it-yourself toolkit (report + templates), not a service — you send the request and keep 100% of whatever you recover. It’s an instant digital download, so all sales are final.
Find out what you’re owed — free.
Run the estimate first. If it looks worth claiming, the $29 kit gives you everything to do it yourself — and you keep 100% of whatever you recover.
Free estimate · no account · instant access to the $29 kit