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.
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. Review the criteria below, then estimate your potential refund.
Six criteria for a recoverable claim
If any of the following apply within the last 24 months, you likely have a recoverable refund worth reviewing.
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.
Qualifying Events
Five events that make a refund recoverable.
A recoverable refund generally arises when one of the following changes the status of your financing or vehicle.
Event 01
Loan Payoff
The financing was satisfied ahead of schedule.
Paying a vehicle loan in full ahead of schedule ends the financing the F&I products were sold against. The unearned portion of every cancellable product purchased at signing becomes refundable as of the payoff date.
Event 02
Trade-In or Sale
The vehicle changed hands.
F&I products attach to your original financing contract, not to the vehicle. Trading or selling the vehicle ends your use of those products, and the unused term is owed back to you — even if the dealer who accepted the trade also sold you the car.
Event 03
Refinance
The original loan was replaced.
Refinancing replaces your original loan with a new one, usually through a different lender. Most F&I products do not transfer to the replacement loan, leaving the remaining contract value recoverable from the original administrators.
Event 04
Total Loss
The vehicle was declared a total loss.
When an insurer declares a vehicle a total loss, GAP coverage may pay out — but service contracts, tire & wheel, key, and appearance products generally do not, and their unearned value remains refundable.
Event 05
Voluntary Cancellation
You still own the vehicle and wish to cancel.
A triggering event is not required. Most F&I products may be cancelled at any point during their term for a prorated refund of the portion you have not used, regardless of whether you still own the vehicle.
Refund Estimator
Estimate your recoverable refund.
Answer three short questions for an illustrative estimate of the refund a claim review may identify. Your answers are not submitted or stored.
The estimator is an informational tool only. An actual eligibility review of your contracts is provided at no cost when you file a claim — and no outcome is guaranteed.
Eligibility Estimator
Step 1 of 3
Geographic Coverage
States where claim intake is currently open.
National Auto Refund Group is actively filing claims for residents of the following states. Residents elsewhere may still submit a review request to be notified when intake opens.
California
Intake OpenClaim intake is open for California residents. Refund recovery is conducted under the terms of each consumer's individual F&I product contracts.
Nevada
Intake OpenClaim intake is open for Nevada residents. Eligibility and refund amounts are assessed per contract on an individual basis.
Arizona
Intake OpenClaim intake is open for Arizona residents. Each claim is filed individually with the relevant product administrator.
Oregon
Intake OpenClaim intake is open for Oregon residents. Recovery is pursued under the original terms of each F&I product purchased.
Begin your no-cost claim review.
Submit your details and a claim specialist will review your eligibility within one business day. There is no cost and no obligation to proceed.