State Law Guide · Updated January 2026
If you paid off your loan early, you're owed a GAP refund. Most people never claim it.
Wyoming GAP/VSC Refund Demand Rights
Under Wyoming 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 Actual damages plus regulatory penalties.
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. Refunds must be issued within 60 days. 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 |
|---|---|---|
| Creditor Duty | Must facilitate refund | Creditor must facilitate refund within 60 days |
| Refund Deadline | 60 days | Refund must be processed within 60 days of termination |
| Pro-Rata Refund | Required | Entitled to unused portion of GAP premium |
| Voluntary Cancellation | Covered | Applies to both voluntary and involuntary termination |
Creditor Duty
Must facilitate refundRefund Deadline
60 daysPro-Rata Refund
RequiredVoluntary Cancellation
CoveredWhat Wyoming Law Requires
Your Refund Rights
Under Wyoming 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.
Timeline
Once you submit your request, the dealer or administrator has 60 days to respond. Failure to comply may result in Actual damages plus regulatory penalties.
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 Wyoming Law
Our tool generates a formal gap/vsc refund demand letter citing Wyoming Consumer Credit Code and state-specific provisions for maximum leverage.
Demand Letter
State-specific statutory citations
Pro-Rata Calculator
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Penalty Provisions
Late fees & damages
"Administrator tried to use a flat cancellation schedule instead of true pro-rata. Difference was almost $150 in my favor."
— Park County
$39 to recover up to $460. That's a 11x return.
Frequently Asked Questions
Do I get a GAP refund if I pay off my car early in Wyoming?
Yes. Under Wyoming Statute § 40-14-454, your creditor must facilitate a refund of unearned GAP coverage within 60 days of loan termination.
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?
File complaints with the Wyoming Attorney General Consumer Protection Unit or the Wyoming Department of Insurance.
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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Average Wyoming recovery: $460 · Based on Wyoming Consumer Credit Code