Not sure how much you're owed on your Portfolio contract?
We find every refundable product on your deal and submit the cancellation for you — free.
Can you cancel Portfolio?
Yes. Portfolio 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 (customer service): (800) 705-4001
Mailing address:
Portfolio Services Limited, Inc.
1757 E. Baseline Rd., Bldg. 5 Ste. 118
Gilbert, AZ 85233
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 — Complete the cancellation request form. Portfolio processes cancellations via a written request/form. Request it from customer service or by calling (800) 705-4001. Include the required documentation or the request won't be processed.
Step 3 — Submit and keep a paper trail. Mail to: Portfolio Services Limited, Inc., 1757 E. Baseline Rd., Bldg. 5 Ste. 118, Gilbert, AZ 85233. Send by a trackable method and keep a copy of everything.
Final step — Track the refund. Processing typically takes processed within 5 days; refunds mailed to the dealer in 6–8 weeks. Refunds are mailed to the selling dealership; if financed, applied to your loan.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 (see your contract's free-look terms). After that, your refund is prorated by unused term.
As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. Refunds are mailed to the selling dealership; if financed, applied to your loan.
Estimate your exact figure first
Use the free refund calculator — no paperwork needed.
Provider-specific tips
- Print and sign the cancellation form and return it to the dealership where the contract was purchased. Requests are typically processed within 5 days, with refunds/statements mailed to the dealer in 6–8 weeks.
- For GAP, note that once a GAP benefit has been paid, no further refund is due.
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
Where do I send a Portfolio cancellation?
To the dealership where you bought the contract, or the administrator on your contract. Portfolio customer service is (800) 705-4001.
How long until I get my Portfolio refund?
Requests are processed within about 5 days; refunds are mailed to the dealer within 6–8 weeks.
We'll handle the cancellation for you
We identify your Portfolio contract, submit the paperwork, and follow up until the refund is issued.
Sources: Portfolio contract holders