Do I get a refund for GAP or a service contract if I pay off my loan early or sell the car?

You may be eligible for a prorated refund of unused coverage, depending on the contract and your state's rules. Selling the car, trading it in or paying off the loan early does not always cancel these products automatically, so you usually need to request cancellation. Contact the dealer or the company that administers the contract, ask for the cancellation form, and follow up in writing. The CFPB has noted that some consumers miss refunds they were owed, so it is worth asking.