Criterion 01
Loan Paid in Full
If you paid off your vehicle loan early — whether through payoff, lump sum, or refinance — the unearned portions of your VSC, GAP, and ancillary products are typically refundable.
Notice of Recoverable Refund
You may be owed compensation on F&I products purchased with your vehicle.
Drivers who paid off, traded in, refinanced, or totaled a vehicle are frequently entitled to refunds on extended warranties, GAP coverage, and other ancillary protection products — often without ever being notified. National Auto Refund Group files these claims on your behalf, with no out-of-pocket cost to you.
$1,247Average Recovery
$0Out-of-Pocket Cost
60–90dFiling Timeline
$1,247
Avg. Refund Recovered
7M+
Drivers Eligible
$0
Out-of-Pocket Cost
100%
Contingency-Based
Section 01 · Eligibility
Who is eligible to file a claim?
Eligibility is determined by the circumstances of your original vehicle purchase and any subsequent change in status. If any of the following apply within the last 24 months, you likely have a recoverable refund.
Criterion 02
Vehicle Traded or Sold
F&I products are tied to your original loan, not the vehicle itself. When the vehicle is traded or sold, the remaining contract value is owed back to you.
Criterion 03
Loan Refinanced
Refinancing typically terminates the original loan. Most F&I products do not transfer to the new lender, making the remaining value recoverable.
Criterion 04
Vehicle Totaled or Repossessed
When a vehicle is declared a total loss, GAP coverage typically pays out — but VSC, tire & wheel, and other ancillary products still carry recoverable refund value.
Criterion 05
Still Owned · Wish to Cancel
Most F&I products can be cancelled at any time during the contract for a prorated refund of the unearned portion, regardless of current ownership status.
Criterion 06
Original Documents Available
If you can locate your original buyer's order, F&I product contracts, or financing paperwork, we can determine eligibility and file the claim on your behalf.
Section 02 · The Filing Process
A four-step process. No out-of-pocket cost.
National Auto Refund Group handles every step of the recovery process — from document review through final disbursement. Claimants are not required to contact administrators, dealerships, or lenders directly.
Step 01
I.
Document Submission
Upload your original purchase documents and proof of status change (payoff, trade, total loss). Approximate time: 5–10 minutes.
Step 02
II.
Eligibility Review
Our team reviews your documents, identifies every recoverable product, and calculates estimated refund amounts. No charge for this review.
Step 03
III.
Claim Filing
We prepare administrator-specific cancellation forms, submit them on your behalf, and track each claim through to disbursement.
Step 04
IV.
Refund Disbursement
Recovered refunds are remitted to you or your lienholder per the terms of your original contract. Our recovery fee is collected only at this stage.
Section 03 · Recoverable Products
F&I products with recoverable refund value.
The following ancillary products are commonly sold alongside vehicle financing and frequently carry recoverable refund value when cancelled before term expiration.
| Product | Description | Avg. Recovery | Status |
|---|---|---|---|
| VSCVehicle Service Contract | Extended mechanical breakdown coverage. Typically $1,500–4,000 at point of sale. | Avg. Recovery: $640 | Recoverable |
| GAPGuaranteed Asset Protection | Covers loan balance vs. insurance payout in event of total loss. Typically $800–1,200. | Avg. Recovery: $310 | Recoverable |
| T&WTire & Wheel Protection | Road hazard coverage for tires and wheels. Typically $400–900 at point of sale. | Avg. Recovery: $180 | Recoverable |
| KEYKey Replacement Coverage | Covers lost or damaged smart keys. Typically $200–500 at point of sale. | Avg. Recovery: $90 | Recoverable |
| PPFPaint & Fabric Protection | Appearance protection for interior and exterior. Typically $400–800 at point of sale. | Avg. Recovery: $160 | Recoverable |
| ETCOther Ancillary Products | Theft protection, ID theft, prepaid maintenance, and other bundled F&I items. | Avg. Recovery: $50–600 | Varies |
Approximately 25% of vehicle service contract holders trade, sell, or total their vehicle before the contract reaches expiration — leaving an estimated seven million American drivers eligible for refunds they have not claimed.
No out-of-pocket cost. No risk to you.
National Auto Refund Group operates on a contingency basis. Claimants are not charged for document review, eligibility analysis, or claim filing. Our recovery fee is structured as a portion of the refund amount obtained on your behalf — and is only assessed if and when a refund is successfully recovered.
- Document Review
- No Cost
- Eligibility Analysis
- No Cost
- Claim Filing
- No Cost
- Administrator Follow-Up
- No Cost
- Recovery Fee
- Portion of Recovery
Section 04 · Frequently Asked Questions
Common questions regarding the claim process.
There is no upfront cost. Document review, eligibility analysis, and claim filing are provided at no charge. Our recovery fee is assessed only when a refund is successfully obtained on your behalf, and is collected as a portion of the recovered amount. If no recovery is obtained, no fee is owed.
When an F&I product is cancelled, the dealership's commission on that product is partially reversed — a process known in the industry as a chargeback. This creates a structural disincentive for dealerships to inform consumers of their refund rights. Your right to cancel and recover the unearned portion is contractually guaranteed, but the responsibility to initiate the claim falls on the consumer.
When an outstanding loan exists, refunds are typically remitted to the lienholder and applied to the principal loan balance. While the funds do not arrive as a direct payment to you, the benefit is realized through reduced loan balance, accelerated payoff, and increased vehicle equity.
From submission of complete documentation, most claims complete the administrator review and disbursement process within 60–90 days. Some product administrators process faster, while others may extend beyond this window. National Auto Refund Group manages all follow-up correspondence throughout the process.
No. National Auto Refund Group is a private refund recovery service. We do not provide legal advice and are not a law firm. We are not affiliated with any government agency, dealership, lender, or insurance carrier. Our service is limited to assisting consumers in filing for refunds that are owed under their original F&I product contracts.
Consumers are entitled to file claims directly with product administrators. However, the process requires identification of each cancellable product, location of the appropriate administrator (not the selling dealership), preparation of administrator-specific cancellation forms, and ongoing follow-up. We handle this process on your behalf as a service.
Begin Your Claim
File a no-cost claim review.
Provide your contact information and basic vehicle details. A claim specialist will review your eligibility and respond within one business day. There is no obligation to proceed.
No Out-of-Pocket Cost
Document review and eligibility analysis at no charge.
No Obligation to Proceed
Receive your eligibility analysis before deciding to file.
One Business Day Response
A claim specialist will follow up directly.
Confidential Submission
Your information is used only to assess your claim.