State Law Guide
If you paid off your loan early, you may be owed a GAP refund.
Wyoming GAP Insurance Refund Guide
Under Wyoming Uniform Consumer Credit Code, Wyoming consumers who pay off auto loans early are entitled to pro-rata GAP and warranty refunds. Dealers who fail to comply face Cease-and-desist orders and civil penalties of up to $5,000 for repeated willful violations from the State Banking Commissioner, plus court-awarded attorney's fees (Wyo. Stat. §§ 40-14-608, 40-14-613(b), 40-14-521(h)).
Quick Answer
In Wyoming, 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 $6,000.
Paid off your auto loan early in Wyoming?
Check your rights under Wyoming law
Key Wyoming Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Auto-Refund on Payoff | Creditor must facilitate within 60 days | Within 60 days after the credit sale or loan ends, including by prepayment, the creditor to whom payment is due must facilitate any refund or credit otherwise required by law for a GAP waiver or debt cancellation contract (Wyo. Stat. § 40-14-454(a)); the statute does not itself create the refund right or say when the money must reach you |
| Voluntary Cancellation | Covered | The same 60-day duty to facilitate a refund or credit applies when you cancel the product voluntarily (Wyo. Stat. § 40-14-454(a)) |
| Pro Rata Default Method | Unless other law provides otherwise | Any required refund or credit must be calculated pro rata, or on a remaining-risk basis only if authorized and defined by rule of the administrator (Wyo. Stat. § 40-14-454(b)) |
| Division of Banking Complaints | UCCC administrator | The State Banking Commissioner administers the Uniform Consumer Credit Code and may receive and act on complaints (Wyo. Stat. §§ 40-14-603, 40-14-604(a)(i)) |
| Attorney's Fees | If a violation is found | In any case where a creditor is found to have violated the Code, the court may award your reasonable attorney's fees (Wyo. Stat. § 40-14-521(h)) |
Auto-Refund on Payoff
Creditor must facilitate within 60 daysVoluntary Cancellation
CoveredPro Rata Default Method
Unless other law provides otherwiseDivision of Banking Complaints
UCCC administratorAttorney's Fees
If a violation is foundWhat Wyoming Law Requires
Your Refund Rights
Under Wyoming Uniform Consumer Credit Code, Wyoming 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 Wyoming?
If your GAP waiver or other law provides one, yes. Wyo. Stat. § 40-14-454(a) requires the creditor to facilitate any refund or credit otherwise required by law within 60 days after payoff, and § 40-14-454(b) makes any required refund pro rata unless other law provides otherwise.
How quickly must a Wyoming creditor process my GAP refund?
Wyoming law requires creditors to facilitate any applicable GAP refund within 60 days of termination of the credit transaction.
Does the Wyoming law cover voluntary cancellation?
Yes. Wyoming's statute covers both voluntary cancellation and termination of the credit transaction, including early loan payoff.
Where do I file a complaint about a GAP refund in Wyoming?
The Wyoming Division of Banking, whose State Banking Commissioner administers the Uniform Consumer Credit Code, receives and acts on complaints (Wyo. Stat. §§ 40-14-603, 40-14-604); call (307) 777-7797. The Attorney General's Consumer Protection Unit also takes consumer complaints.
Wyoming 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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