Frequently asked questions

When a car loan ends early (payoff, trade-in, sale, refinance), most add-ons, such as an extended warranty/service contract, tire & wheel, GAP, etch, or a maintenance plan, refund the unused part. We check whether you got every refund you're owed and the right amount. Forgotten add-ons are the first thing we look for.

The check is free. If you already got the correct refunds, you owe nothing. If we recover a missing refund, our fee is 30% of the confirmed missing amount we recover, never of refunds you already received or that were already in progress. No minimum fee. If the missing amount is under $75, we don't file and instead send you free instructions to claim it yourself.

Lenders, states, and administrators often have an automatic refund window after a payoff (we assume 45 days unless your paperwork says otherwise). A refund counts as missing only after that window has passed without a refund. A refund counts as short only when the administrator's own written refund calculation shows you were paid less than it calculated. Our estimate alone never counts.

One minute to sign up. We do the digging and tell you what we find, usually within 2–4 weeks. If we have to file, administrators typically take another few weeks to pay.

No. A VIN tells us the car, not which add-ons you bought. We use paperwork you send (a photo is fine) or request copies from the dealer or administrator with your authorization.

Yes, and for free. Call or write the administrator listed on your contract (or the dealer's finance office), ask to cancel, and request a refund of the unearned charges plus a written refund calculation. We're here if you'd rather hand off the paperwork.

You (or your lender, if the contract requires it). Our authorization specifically forbids us from receiving, endorsing, or redirecting your refund. Administrators send us a copy of the calculation and confirmation so we can check the amount.

At launch we don't take cases where a refund would be credited to a loan that's still open (for example a repossession or an open balance).

No. We're a paperwork service. We don't give legal advice; we send requests based on your contract's own cancellation terms.

We collect the minimum needed, use it only for your refund check, and never sell it. See our privacy note.