Not sure how much you're owed on your State National GAP contract?
We find every refundable product on your deal and submit the cancellation for you — free.
Can you cancel State National GAP?
Yes. State National GAP contracts are cancellable, and what you get back depends on timing: a full refund within the first 90 days (many credit-union GAP programs give a 90-day full-refund free-look), and a prorated refund for the unused portion after that. The unused premium is money you're owed — it doesn't belong to the dealer or administrator.
Contact information
Phone: State National GAP does not publish a dedicated cancellation line. Use the number printed on your contract, or cancel through the dealer that sold it.
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. State National GAPadministers 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.
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. Refunds are 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?
Cancel within the first 90 days (many credit-union GAP programs give a 90-day full-refund free-look) and you're typically owed a full refund. After that, your refund is prorated for the unused portion where your program provides a refund.
As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. Refunds are 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
- Credit-union GAP commonly includes a 90-day free-look for a full refund; cancel on or after day 91 and many programs provide no refund of the up-front fee.
- Refund provisions vary by the state that chartered your credit union — GAP from state-chartered credit unions in FL, GA, IA, RI, UT, VT, and WI may be sold with or without a refund provision. Check your agreement and ask your credit union.
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
How do I cancel State National GAP?
Through the credit union or lender that holds your loan — State National underwrites the coverage but the lender services cancellations.
Will I get a refund?
Often yes within a 90-day free-look; after that it depends on your program and state. Some state-chartered credit-union programs have no refund provision past the free-look.
We'll handle the cancellation for you
We identify your State National GAP contract, submit the paperwork, and follow up until the refund is issued.