Every F&I Audit ends in a written findings summary — the rate reviewed against the lender’s approval, every product priced against the market, and a verdict on each line. This is what that document looks like.
| Contract APR | 9.24% |
|---|---|
| Lender-approved buy rate | 7.49% |
| Dealer reserve identified | +1.75% ≈ $2,620 over the term |
| Assessment | Renegotiable before signing; post-signing, refinance guidance provided |
| Product | Charged | Market reference | Assessment | Est. recoverable |
|---|---|---|---|---|
| Vehicle Service Contract | $3,450 | Typical market range $1,800–$2,400 | Priced above typical range — negotiable before signing; cancellation provisions apply | $1,000–$1,650 |
| GAP Coverage | $1,095 | Credit-union equivalent $200–$400 | Priced above the credit-union equivalent shown — compare before deciding | $700–$900 |
| Tire & Wheel | $899 | Typical market range $400–$600 | Context-dependent — value depends on your roads and tires | Up to $899 |
| Paint Sealant | $1,199 | Applied cost ≈ $150 | Unfavorable cost-to-value | $1,199 |
| Key Replacement | $499 | Often duplicated by insurance | Verify existing coverage first | Up to $499 |
How to Read It
The document above is short on purpose — an audit is a working analysis, not a research paper. Each line resolves to a number and an assessment, and every assessment follows the same logic your real report will use. The decisions remain yours. Producing it takes three documents from you: the retail installment contract or lease agreement, the buyers order or itemized worksheet, and the individual product contracts for anything the finance office sold you. Photos or scans are fine — turnaround is one business day from the moment the paperwork is complete, and the findings call that follows walks every line with you before you act on any of it.
No product is universally good or bad. GAP that’s essential on an 84-month, zero-down loan is dead weight next to a 50% down payment. Each verdict weighs your loan-to-value, term, vehicle, and existing coverage — which is why the same product can read “keep” on one client’s report and “cancel” on the next.
Most F&I products refund pro-rata by time or mileage when cancelled, credited against your loan principal rather than paid in cash. The report flags each product’s cancellation window, the administrator who processes it, and the realistic recovery amount after any state-permitted fees.
A $2,800 service contract isn’t judged against $2,800 — it’s judged against what the same administrator’s contract sells for outside the finance office. The “Est. recoverable” column is that spread. Rate findings work the same way: your contract APR against the lender’s actual buy-rate approval.
Client identity, lender terms, and VIN-level detail are omitted here; your report includes them. The figures shown are typical of a real engagement, but the recoverable total on an actual audit runs anywhere from zero — clean contracts exist — to several thousand dollars on product-heavy deals.
Pro-rata refunds shrink every month the products stay active, and some contracts carry full-refund windows — often the first 30 or 60 days — where cancellation returns every dollar. An audit run in week two of ownership routinely recovers hundreds more than the same audit run in month eight. If a contract is sitting in your glovebox unread, sooner is measurably better than later.
Product pricing is checked against administrator rate cards and the same coverage sold outside dealer channels; rate findings are checked against lender buy-rate approvals and published tier pricing for comparable credit profiles. Nothing in the report relies on the dealer’s own characterization of what anything cost — that’s the point of an independent audit.
What Happens Next
A ready-to-send cancellation request for each product flagged for cancellation or replacement, addressed to the correct administrator and worded to start the refund clock.
What a prorated refund should amount to for each product, where it gets applied (usually to your loan principal, not your pocket), and how long each administrator typically takes.
Who to contact at your lender, what to ask for, and how to confirm each refund actually posted against your balance once the cancellations process.
Signed a contract and want this run on your numbers? Turnaround is one business day from receiving your documents.
Start Your F&I Audit — $250