State Law Guide · Updated January 2026
If you paid off your loan early, you're owed a GAP refund. Most people never claim it.
New Hampshire GAP/VSC Refund Demand Rights
Under New Hampshire Guaranteed Asset Protection Waivers Act, New Hampshire consumers who pay off auto loans early are entitled to pro-rata GAP and warranty refunds. Dealers who fail to comply face Banking Dept enforcement plus actual damages.
Quick Answer
In New Hampshire, 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 New Hampshire?
Check your rights under New Hampshire law
Key New Hampshire Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 30 days minimum | Full refund within 30 days 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 |
| Banking Dept Oversight | Active | File complaints with NH Banking Department |
Free Look Period
30 days minimumPro-Rata Refund
Required90-Day Request Window
RequiredBanking Dept Oversight
ActiveWhat New Hampshire Law Requires
Your Refund Rights
Under New Hampshire Guaranteed Asset Protection Waivers Act, New Hampshire 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 New Hampshire Law
Our tool generates a formal gap/vsc refund demand letter citing New Hampshire Guaranteed Asset Protection Waivers Act and state-specific provisions for maximum leverage.
Demand Letter
State-specific statutory citations
Pro-Rata Calculator
Know exactly what you're owed
Penalty Provisions
Late fees & damages
"Took a few weeks but after paying off with an inheritance, nobody mentioned the GAP refund at payoff. Found it on my own and recovered $325."
— Nashua, NH
$39 to recover up to $530. That's a 13x return.
Frequently Asked Questions
Do I get a GAP refund if I pay off my car early in New Hampshire?
Yes. Under RSA 361-E, you are entitled to a pro-rata refund of unused GAP coverage. New Hampshire requires a minimum 30-day free look period with full refund rights.
What changed with HB 1243 in 2024?
HB 1243 updated the Motor Vehicle Retail Installment Sales Act (RSA 361-A) and reinforced GAP waiver requirements under RSA 361-E, strengthening consumer protections.
What is the deadline to request a GAP refund in New Hampshire?
You must submit a written cancellation request within 90 days of the event terminating your finance agreement.
Where do I file a complaint about a GAP refund in New Hampshire?
File complaints with the New Hampshire Banking Department or the New Hampshire Attorney General Consumer Protection Bureau.
New Hampshire 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
See how New Hampshire's laws compare to other states:
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Average New Hampshire recovery: $530 · Based on New Hampshire Guaranteed Asset Protection Waivers Act