State Law Guide
If you paid off your loan early, you may be owed a GAP refund.
Nevada GAP Insurance Refund Guide
Under Nevada Guaranteed Asset Protection Waivers Act, Nevada consumers who pay off auto loans early are entitled to pro-rata GAP and warranty refunds. Dealers who fail to comply face Stop orders and, after a hearing, fines of up to $500 per violation ($10,000 in total) from the Commissioner of Insurance (NRS 690D.230).
Quick Answer
In Nevada, 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 $10,000.
Paid off your auto loan early in Nevada?
Check your rights under Nevada law
Key Nevada Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | At least 30 days | Full refund of the purchase price if you cancel within the free look and no benefits have been provided (NRS 690D.200(1)) |
| Post-Free Look Cancellation | Must be cancelable | Right to cancel even after the free look period (NRS 690D.200(2)) |
| Refund of the Unearned Portion | Mandatory, by the waiver's method | If no benefits have been provided, the creditor must refund the unearned portion of the purchase price in the manner the waiver specifies (NRS 690D.200(2)) |
| Written Request | Within 90 days of the terminating event | Submit written cancellation to the party designated in your waiver documents (NRS 690D.200(3)) |
| Refund Routing | May offset loan balance | If you still owe on the finance agreement, the refund may be applied to that balance rather than paid as a check |
Free Look Period
At least 30 daysPost-Free Look Cancellation
Must be cancelableRefund of the Unearned Portion
Mandatory, by the waiver's methodWritten Request
Within 90 days of the terminating eventRefund Routing
May offset loan balanceWhat Nevada Law Requires
Your Refund Rights
Under Nevada Guaranteed Asset Protection Waivers Act, Nevada 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.
GAP coverage is often refundable after an early payoff, a refinance, or a total loss on which GAP paid no claim — but the contract, state law, and unused coverage determine the amount.
A formal demand letter citing your state's exact statutes is harder to ignore than a generic email.
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Frequently Asked Questions
Do I get a GAP refund if I pay off my car early in Nevada?
Yes, if no benefits have been provided. Under NRS 690D.200(2) the creditor must refund the unearned portion of the purchase price, calculated the way your waiver specifies. Request it in writing within 90 days of the event that ended your finance agreement — and note the creditor may apply the refund to any balance you still owe rather than sending a check.
What is the free look period for GAP in Nevada?
Nevada requires a minimum 30-day free look period. During this time, you can cancel for a full refund if no benefits have been provided.
Can I cancel GAP after the free look period in Nevada?
Yes. NRS 690D.200(2) requires Nevada GAP waivers to be cancelable after the free look. If no benefits have been provided, the creditor must refund the unearned portion of the purchase price, calculated the way the waiver specifies.
Where do I file a complaint about a GAP refund in Nevada?
The Nevada Commissioner of Insurance enforces the GAP waiver law and can order a stop and impose fines (NRS 690D.230), so file with the Nevada Division of Insurance. The Attorney General's Bureau of Consumer Protection also takes consumer complaints.
Nevada 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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Optional letter only if you act · Nevada Guaranteed Asset Protection Waivers Act