The finance office often adds 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 →Our Methodology
Every audit covers three distinct dimensions of your contract. Most clients find overcharges in at least two.
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.
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 explain its cost, coverage, overlap with what you already have, and cancellation provisions. We analyze the economics. You decide.
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.
Product-by-Product Review
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 dealer pricing can include a large markup over 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, often sold at a significant markup. 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.
After the Audit
The audit is the diagnosis. Here's how you collect the refund.
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.
We flag every product eligible for a prorated refund and calculate the approximate recovery amount based on your contract date and remaining term.
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.
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.
Common Questions
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.comSubmit your intake below. An advisor will contact you within one business day to collect your contract documents and begin the review.