Get Cash Back From Your Products

For members of

We’re saving customers hundreds on overpriced vehicle protection.

Replacement coverage can save $750 or more, with eligible refunds averaging $2,500. Upload your auto loan documents to see your potential savings.

Save $750* or more

Average savings when you replace your extended service contract with similar coverage.

$2,500* Refund

Average refund returned to you in cash (when your loan is replaced) or used to pay down your existing loan.

Stay Protected

Receive replacement coverage with a similar or better term, at a lower price than what the dealer offers.

SAVE BIG MONEY

Let AUTOPAY guide you to real savings.

After a quick upload of a couple documents, we'll let you know if you’ve paid too much for the products protecting your vehicle or loan. From there we can cancel and replace it with comparable coverage and get you a refund.

Simple online process

How it works

1. Upload documents

Upload your vehicle service contract, GAP policy, or your loan document issued at the dealership.

2. Review savings

View your savings, replacement protection plans, and choose how you want to receive your refund.

3. We handle the rest

Rest easy as our team of professionals cancels your existing coverage, and puts thousands back in your pocket.

SMARTER SAVINGS

Find smarter savings with AUTOPAY.

Most customers who purchase an extended warranty are stuck with what the dealership had to offer. We get you into a competitive product at a fraction of the cost, allowing us to cancel your existing coverage and refund you the difference.

Check for savings

Customers are saving hundreds with eligible refunds in the thousands of dollars.

Upload your auto loan documents and learn if you can save on your extended service contract or GAP policy.

FAQs

Frequently Asked Questions

General

After I replace and lower the cost of my protection products, can they be used anywhere? How about at my local dealership?

Yes, all AUTOPAY protection products can be used in any ASE (Automotive Service Excellence (ase.com) certified repair shop. This includes your local dealership, local repair shop, and any other certified auto mechanic throughout the United States

We would not recommend getting your car serviced / repaired by anyone that is not ASE certified.

Who is the insurance company behind these products?

We have a partnership with American Assurance Corporation, the third-party administrator that will be working with you if in the event you need to make a claim or repair your vehicle. We encourage you to check out them google reviews https://tinyurl.com/bdhw3htj

AAC is insured by a one a Fortune 500 Company and financially rated A+ by AM Best, A2 by Moody’s and A+ by Standard & Poor’s

What do I do if my car breaks down or needs a repair? Who do I call?

To make a claim on your AUTOPAY extended service contract, please call 866-801-7369 or https://tinyurl.com/59a8b69j

How is the repair paid for? Do I have to come out of pocket and then get reimbursed?

No, you do not need to come out of pocket to get the vehicle repaired. Please use the contact information above, and we will contact the business performing your vehicle repairs.

Is there a deductible? If so, how much is it?

There may or may not be a deductible on your service contract. If there is a deductible, it will not be more than $100.

Refund Process

How long will it take for my refund to be processed?

It will take between 30 – 60 days (about 2 months) for your refund to be processed. Depending on your method of checkout, your refund will either be mailed directly you by AUTOPAY (or your existing product administrator or lender), or it will be credited to your existing loan balance at your existing lender

Will I need to do anything to assist in the refund process?

A photo of the odometer in your vehicle is all that we will need to initiate and manage your refund processing.

Can I handle the refund process myself?

It is best practice to have a third party manage the refund process. Sometimes selling dealerships either drag their feet or apply pressure to customers to maintain their current service.

Savings Process

Where can I find my protection documents?

Your protection documents were included in the purchase documents / loan documents that you executed at the dealership. They can be found in that packet. Some dealers provide you with electronic copies of their documents, while others provide physical copies. If you cannot find your document package, please ask your lender (and check your lender’s online portal), or contact your dealership and request copies of all your purchase documents.

Why do you need my loan documents?

We only need the documents pertaining to your protection products (your Vehicle Service Contract and GAP (Guaranteed Asset Protection) Waiver. This helps us do two things:

Provide you with the accurate information related to the terms of your existing coverage, potential refund, and savings
Ensure we can initiate and manage the processing of your refund.

Protection products are valuable. However, products sold at dealerships can lack transparency and be confusing. Receiving the actual documents helps us provide transparency and the potential benefits of better coverage, savings, a refund, or all three.

Is my information secure?

AUTOPAY does not share your protection information with any third party and uses encrypted protocols to collect, transmit and store your data securely. We are committed to the protection of our customers’ privacy as described in our privacy policy https://www.autopay.com/privacy-policy/.

*Based on 2024 transactions where Service Contracts were purchased in the last 12 months, had a term of 24 months of more, and an Original Cost of $1,800 or more.