Almost every product sold in a finance office can be cancelled, and cancelling part way through returns the unearned portion. Nobody tells you, because the dealer who sold it isn't the party who owes it — and the administrator who does has no way to know your car is gone.
The amount is usually four figures.
Add each product from your finance contract. If you're unsure of a number, estimate — you can refine it later.
This changes where a refund is sent. With an active lien it usually goes to the lender and reduces your balance.
Nothing you type here is saved, sent to us, or tracked. The calculation runs and the numbers are gone. You get your figure first — what you do after that is up to you.
We identify every cancellable product, find the administrator behind each one, file the cancellations and follow up until they're resolved. Free to investigate. If we recover money, our fee is 30% of what you receive. If nothing comes back, you owe nothing.
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Nothing to check. If we recover a refund, we invoice 30% of the amount recovered. If nothing comes back, you owe nothing.
Yes, and if you want to we'll point you at the right administrator. Most people don't, because it means identifying every product, finding the right company, and following up for weeks.
With an active lien the administrator usually sends the refund to the lienholder, where it reduces your balance. That still counts as recovered.
Usually four to eight weeks from filing. Some administrators are quick; some need persistent follow-up, which is part of the job.
It varies by contract. Some allow cancellation any time unused term remains; others have limits. A reason not to sit on it.
The refund is one piece. The deal audit looks at the rate, the term, the fees and the add-ons together.
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