State Law Guide · Updated January 2026
If you paid off your loan early, you're owed a GAP refund. Most people never claim it.
Montana GAP/VSC Refund Demand Rights
Under Montana Guaranteed Asset Protection Waiver Act, Montana consumers who pay off auto loans early are entitled to pro-rata GAP and warranty refunds. Dealers who fail to comply face Actual damages plus regulatory penalties.
Quick Answer
In Montana, you're entitled to a pro-rata refund of unused GAP insurance and warranty products when your loan is paid off early. You can sue in Small Claims Court for up to $7,000.
Paid off your auto loan early in Montana?
Check your rights under Montana law
Key Montana Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | Required | Full refund during free look if no benefits provided |
| Pro-Rata Refund | Required | Entitled to unearned portion of GAP premium |
| 90-Day Request Window | Required | Must request refund within 90 days of payoff |
| Written Request | Required | Submit written cancellation to creditor or administrator |
Free Look Period
RequiredPro-Rata Refund
Required90-Day Request Window
RequiredWritten Request
RequiredWhat Montana Law Requires
Your Refund Rights
Under Montana Guaranteed Asset Protection Waiver Act, Montana consumers who pay off auto loans early are entitled to pro-rata refunds on unused GAP insurance and warranty coverage. You're entitled to a pro-rata refund based on unused coverage time.
You already paid for coverage you're no longer using. The dealer and administrator owe you a refund — they just won't send it unless you ask. Upload your contract to see exactly how much.
How It Works
Upload Contract
Upload your loan payoff letter or F&I contract
AI Calculates Refund
Pro-rata refund calculated based on unused coverage
Get Demand Letter
Download a letter with state-specific penalty citations
Get a Demand Letter That Cites Montana Law
Our tool generates a formal gap/vsc refund demand letter citing Montana Guaranteed Asset Protection Waiver Act and state-specific provisions for maximum leverage.
Demand Letter
State-specific statutory citations
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Penalty Provisions
Late fees & damages
"Refinanced and the new credit union reminded me to cancel the old GAP. Smart advice. Recovered $310."
— Helena, MT
$39 to recover up to $470. That's a 12x return.
Frequently Asked Questions
Do I get a GAP refund if I pay off my car early in Montana?
Yes. Under Montana Code § 30-14-2206, you are entitled to a refund of any unearned portion of the GAP waiver purchase price. Submit your written request within 90 days of loan payoff.
Is there a free look period for GAP in Montana?
Yes. Montana law requires a free look period during which you can cancel for a full refund if no benefits have been provided.
What is the deadline to request a GAP refund in Montana?
You must submit a written request within 90 days of the event terminating your finance agreement (such as loan payoff).
Where do I file a complaint about a GAP refund in Montana?
File complaints with the Montana Commissioner of Securities and Insurance or the Montana Attorney General Consumer Protection office.
Montana Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
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Average Montana recovery: $470 · Based on Montana Guaranteed Asset Protection Waiver Act