You signed the contract.
Did they charge you fairly?
The average F&I office adds $2,400–$4,000 in products and fees on top of the vehicle price. Some are legitimate. Many aren't. Our audit tells you exactly which is which — and recovers what you're owed.
Time-sensitive: F&I product refunds are prorated — the longer you wait, the less you recover. A contract signed 6 months ago returns significantly more than one signed 18 months ago.
Start Now →The Three-Point Check.
Every audit covers three distinct dimensions of your contract. Most clients find overcharges in at least two.
Rate Verification
Dealers are permitted to mark up your financing rate above what the lender approved — a practice called 'dealer reserve.' We verify your actual buy rate against what appears on your contract and quantify exactly what that markup is costing you over the life of the loan.
Product Necessity
The F&I office presents 5–8 products in rapid succession, often bundled, often not fully explained. We review each product against your specific vehicle, loan structure, existing insurance, and driving profile to give you a straight verdict: keep it, cancel it, or negotiate it down.
Fee Audit
Beyond F&I products, dealers add documentation fees, administrative fees, acquisition fees, and dealer accessories that are often negotiable or entirely unauthorized. We line up every charge against state-regulated caps and market norms to surface what shouldn't be there.
Every product. Straight verdict.
We audit all F&I products against your specific contract, vehicle, and existing coverage. Here's how each one typically performs.
Covers the difference between your insurance payout and outstanding loan balance if the vehicle is totaled. Most valuable if you financed with less than 20% down.
Legitimate product, but dealers mark them up 200–400% above cost. We verify the actual price and compare against third-party alternatives.
Valuable if you're in a pothole-heavy market with low-profile tires. Overpriced and redundant in most other situations.
A low-cost product applied during dealer prep, typically sold at a significant markup ($400–$1,200). The cost-to-value ratio is generally unfavorable — we review the specific charge and whether it was pre-applied without your agreement.
Comprehensive auto insurance often covers key replacement already. We verify your existing policy before advising — if coverage exists, this product is redundant.
Pays your loan if you die or become disabled. Usually far more expensive than a term life policy. Sold aggressively because the margin is enormous.
Often duplicates your auto insurance, AAA membership, or manufacturer coverage. We check all three before advising on cancellation.
Relevant only for leases. Protects against excess wear charges at turn-in. Value depends entirely on your driving habits and lease residual.
How cancellation actually works.
The audit is the diagnosis. Here's how you collect the refund.
Receive Your Audit Report
We deliver a written breakdown of every product: what it is, what it cost, what it's worth, and whether it's cancellable in your state.
Identify Refundable Products
We flag every product eligible for a prorated refund and calculate the approximate recovery amount based on your contract date and remaining term.
Contact the Dealer or Lender
You submit a written cancellation request to the selling dealer's F&I department. Most states require a response within 30–60 days. We provide a template.
Refund Applied to Loan
Refunds are typically applied directly to your outstanding loan balance, reducing your principal. In some cases, a check is issued if the loan is paid off.
Answers before you commit.
If something isn't covered here, reach out directly. We'll give you a straight answer before you decide.
Email us your contract date and vehicle and we'll tell you upfront whether an audit is likely to recover more than the cost.
info@getnegotiated.comMost F&I products are cancellable at any point during the loan or lease term, though the refund amount decreases on a prorated basis over time. The sooner you audit, the more you recover. We've successfully audited contracts more than two years old.
Your signed Retail Installment Sales Contract (RISC), the F&I product addenda (often called a 'menu' or individual product agreements), and your insurance declarations page. If you can't locate them, most dealers are required to provide copies on request.
No. Cancelling F&I products does not affect your credit score. Refunds are applied to your loan principal or issued as a check if the loan is satisfied. There is no negative consequence to cancellation.
Dealers are contractually and often legally obligated to process cancellations. If they resist, the cancellation can often be processed directly with the product administrator or your state's Department of Motor Vehicles or Banking.
Our audit identifies what to cancel and provides templates and instructions. The cancellation request itself is submitted by you directly to the dealer — this is required since you are the contract holder. We guide you through every step.
The financing source doesn't affect F&I product cancellability. Products like extended warranties and GAP are separate agreements with the product administrator, independent of who holds the loan.
Audit My Contract
Submit your intake below. An advisor will contact you within one business day to collect your contract documents and begin the review.