State Law Guide
If you paid off your loan early, you may be owed a GAP refund.
New Hampshire GAP Insurance Refund Guide
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 Restitution orders and administrative fines of up to $2,500 per knowing violation ($1,500 if negligent) from the Bank Commissioner (RSA 361-A:17, IV; 361-A:26, VII; 361-A:27).
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 | At least 30 days | Full refund of the purchase price if you cancel within the free look period and no benefits have been provided (RSA 361-E:2, 361-E:5, I) |
| Refund After the Free Look | Unearned portion, unless the waiver provides otherwise | You may be entitled to any unearned portion unless the waiver provides otherwise — and waivers may be noncancellable after the free look; no refund is due if benefits have been provided (RSA 361-E:5) |
| 90-Day Request Window | Required | If you cancel because the finance agreement ended early, send a written request to the creditor, administrator or other party within 90 days of the event that ended it (RSA 361-E:5, II) |
| Retail Installment Contracts Only | RSA 361-A finance agreements | RSA 361-E covers GAP waivers on motor vehicle retail installment contracts governed by RSA 361-A (RSA 361-E:2); a waiver on a direct bank or credit union loan follows its own contract |
| Banking Department Enforcement | RSA 361-A | A GAP waiver violation is a violation of RSA 361-A; the Bank Commissioner may order restitution and impose administrative fines of up to $2,500 per knowing violation ($1,500 if negligent) (RSA 361-A:17, IV; 361-A:26, VII; 361-A:27, III-IV) |
Free Look Period
At least 30 daysRefund After the Free Look
Unearned portion, unless the waiver provides otherwise90-Day Request Window
RequiredRetail Installment Contracts Only
RSA 361-A finance agreementsBanking Department Enforcement
RSA 361-AWhat 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.
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 New Hampshire?
Often, but your waiver decides. After the free look, RSA 361-E:5, II says you may be entitled to a refund of any unearned portion of the purchase price unless the GAP waiver provides otherwise, and no refund is due if benefits have been provided. Send your written request within 90 days of the event that ended your loan.
What happens if a lender violates RSA 361-E?
A violation of RSA 361-E is a violation of RSA 361-A, the motor vehicle retail installment sales law (RSA 361-A:17, IV). The Bank Commissioner can order restitution (RSA 361-A:26, VII) and impose administrative fines of up to $2,500 per knowing violation ($1,500 if negligent), plus license suspension or revocation (RSA 361-A:27).
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
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