Filing Refund Claims Nationwide
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.
Didn't realize these add-ons were on your loan paperwork? Finance managers routinely tack them on at signing — submit a free review either way and we'll tell you what's recoverable.
$700–$2.5K
Avg Add-On · CFPB
68.9 mo
Avg Auto Loan Term · Experian
3–4 yr
Avg Trade-In Age · Edmunds
$48M
CFPB Refund Order · 2023
Section 01 · Eligibility
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 01
You paid hundreds — sometimes thousands — for warranty, GAP, and other add-ons when you bought the car. If you never used them (or barely touched them), the unused portion is owed back to you in cash. Whether the loan is paid off, refinanced, or still active — we file the claim and you get paid.
Criterion 02
Add-on 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
Refinancing typically terminates the original loan. Most add-on products do not transfer to the new lender, making the remaining value recoverable.
Criterion 04
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.
Section 02 · The Filing Process
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.
Upload your original purchase documents and proof of status change (payoff, trade, total loss). Approximate time: 5–10 minutes.
Step 02
II.
Our team reviews your documents, identifies every recoverable product, and calculates estimated refund amounts. No charge for this review.
Step 03
III.
We prepare administrator-specific cancellation forms, submit them on your behalf, and track each claim through to disbursement.
Step 04
IV.
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
The following ancillary products are commonly sold alongside vehicle financing and frequently carry recoverable refund value when cancelled before term expiration.
| Product | Description | Typical Price |
|---|---|---|
| VSCVehicle Service Contract | Extended mechanical breakdown coverage. | Typical price: $1,500 – $4,000+ |
| GAPGuaranteed Asset Protection | Covers loan balance vs. insurance payout in event of total loss. | Typical price: $400 – $1,000+ |
| T&WTire & Wheel Protection | Road hazard coverage for tires and wheels. | Typical price: $700 – $2,000 |
| KEYKey Replacement Coverage | Covers lost or damaged smart keys. | Typical price: $200 – $500 |
| PPFPaint & Fabric Protection | Appearance protection for interior and exterior. | Typical price: $400 – $800 |
| ETCOther Ancillary Products | Theft protection, ID theft, prepaid maintenance, and other bundled add-on items. | Typical price: Varies |
Auto lenders engaged in unfair practices by failing to request refunds from the third-party administrators for unearned fees related to one such add-on product, GAP, and failing to apply the applicable refunds to the accounts after repossession.
National Auto Refund Group operates on a contingency basis. Every step of the claim is handled at no charge — a recovery fee applies only if a refund is successfully obtained on your behalf.
$0
Owed unless a refund is recovered
Section 04 · Frequently Asked Questions
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 add-on 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 add-on 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
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.