Solutions for

Simplify the aftermarket contract cancellation process.

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22M
Projected vehicles repossessed in 2021 1
$4B
Cancellation refunds may amount to 2
500+
Active aftermarket product providers 3
41
States require that a refund be provided in the event of cancellation of a Vehicle Service Contract (VSC) OR GAP waiver contract.4

Streamline your process, stay compliant, and maintain relationships.

Express Recoveries is the solution.

A single platform that connects lenders with providers and dealers to accurately process product cancellation refunds in full compliance.

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Process efficiently.

One interface consolidates numerous provider recovery processes to efficiently and accurately deliver refunds.

Increase compliance.

Minimize your risk of state and federal compliance fines while expediting refunds to meet recovery deadlines.

Enhance reputation.

Provide consumers the timely and accurate refunds they deserve and protect your dealer relationships.

Aftermarket State Regulations

Discover which states make creditors responsible for refunding customers for GAP, Vehicle Service Contract and Credit Life in the event of cancellations.

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Ready to optimize your process?

Please contact us to schedule a product demonstration at your earliest convenience by filling out the form below.
Want to talk now? Give us a call at 855-892-4160.











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  1. Titleloanser.com, Car Repossession Statistics, 2021
  2. Using Dealertrack and F&I Express 2019 transaction data, cancellation refunds may theoretically amount to, or even exceed, a $4B/yr industry
  3. Internal F&I Express Data
  4. Based on state laws. States that require refund for Vehicle Service Contracts: AL, AK, AZ, AR, CA, FL, HI, ID, IL, IN, LA, ME, MD, MN, MS, MO, NV, NJ, NM, NY, OK, SC, TX, VT, WA, WI, WY. States that require refund for GAP : AL, AR, CO, FL, GA, IN, IA, LA, ME, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NC, ND, OR, RI, SC, TN, TX, UT, VT, VI, WA, WV, WI, WY

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