Not sure how much you're owed on your Frost Financial Services contract?
We find every refundable product on your deal and submit the cancellation for you — free.
Can you cancel Frost Financial Services?
Yes. Frost Financial Services contracts are cancellable, and what you get back depends on timing: a prorated refund for the unused portion, with a full refund possible during your contract's free-look window. The unused premium is money you're owed — it doesn't belong to the dealer or administrator.
Contact information
Phone (Frost administrative line): 888-753-7678
Step-by-step: how to cancel
Step 1 — Gather your documents. You'll want your contract/agreement, the vehicle VIN, your account or loan number, and proof of any triggering event (payoff letter, refinance confirmation, trade-in paperwork, or total-loss settlement).
Step 2 — Contact the lender/credit union that holds your loan. Frost Financial Servicesadministers this coverage for lenders rather than selling it to consumers, so the cancellation is initiated through your credit union or finance company's loan-servicing department (Frost Financial Services administrative line: 888-753-7678).
Step 3 — Request the unused refund in writing. Ask your lender to cancel the coverage as of your payoff, refinance, or trade-in date and to confirm the unearned refund amount applied to your loan or paid to you.
Final step — Track the refund. Processing time varies. The unearned refund is typically applied to your loan balance at your credit union.Follow up if it doesn't arrive on schedule.
How much will you get back?
Check your contract's free-look window for full-refund eligibility (your credit union's free-look terms). After that, your refund is prorated for the unused/unearned portion.
As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. The unearned refund is typically applied to your loan balance at your credit union.
Estimate your exact figure first
Use the free refund calculator — no paperwork needed.
Provider-specific tips
- Because Frost only administers for lender clients, start your cancellation with the credit union that holds your loan; Frost's administrative line is 888-753-7678.
- When the GAP-covered loan is paid off early, you may be owed a refund for the unearned portion of the GAP fee.
What reduces your refund
- Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
- Refund method.Pro-rata is consumer-friendly; confirm your contract isn't calculated by the "Rule of 78s," which front-loads cost.
Common questions
Can I cancel Frost GAP directly?
No — Frost administers GAP for credit unions, not consumers. Cancel through your credit union; Frost's line is 888-753-7678 for reference.
When is a Frost GAP refund owed?
When the loan ends early (payoff, refinance, trade-in), you're owed the unearned portion of the GAP fee.
We'll handle the cancellation for you
We identify your Frost Financial Services contract, submit the paperwork, and follow up until the refund is issued.
Sources: Frost Financial Services GAP