10-02-2026, 11:38 PM
車貸附加 credit insurance：先比較保障、融資利息與取消程序
辦車貸時，車商或貸款人可能另售 credit insurance，在死亡、失去工作或失能等約定情況下向貸款人付款。CFPB 說明這是自選附加產品，不應與依法需要的汽車責任保險或 GAP 混為一談。
先索取保單條款，確認受保事件、資格限制、保額與費用。把保費加入貸款本金，會同時增加之後支付的利息；即使每月加幅看來小，也要比較整段貸款成本及自己已有的保障。簽約後的付款義務須依正式合約處理。
CFPB 指出可取消這類信用保險；提早還清、再融資或出售車輛時，也可能有未用部分退款。沒有文件可向貸款人、承保公司或車商索取，並保留取消及退款申請紀錄。若對方聲稱不買自選信用保險便不能批貸，可向 CFPB 或州主管機關反映；提出投訴並不自動取消貸款或確定退款額。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/
English
Auto-loan credit insurance: compare coverage, financing costs and cancellation
A dealer or lender may offer credit insurance alongside a car loan. Depending on the contract, it pays the lender after events such as death, disability or involuntary job loss. CFPB describes this as an optional add-on, separate from legally required vehicle liability insurance and from GAP products.
Request the policy terms, eligibility restrictions, covered events, limits and price. Financing the premium increases the loan balance and interest paid over time. Compare the total cost with existing protection rather than considering only a small monthly increase. Once a contract is signed, payment obligations must be handled through its formal terms.
CFPB says these credit-insurance products can be cancelled. Selling the vehicle, refinancing or paying early may also create an unused-premium refund. Obtain missing documents from the lender, insurer or dealer and retain cancellation and refund records. If optional credit insurance is presented as a condition of loan approval, contact CFPB or the state regulator. A complaint itself neither cancels the loan nor determines a refund.
Original publication date not established. Checked October 2, 2026. Official source: https://www.consumerfinance.gov/ask-cfpb...an-en-799/
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: Consumer Financial Protection Bureau
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
辦車貸時，車商或貸款人可能另售 credit insurance，在死亡、失去工作或失能等約定情況下向貸款人付款。CFPB 說明這是自選附加產品，不應與依法需要的汽車責任保險或 GAP 混為一談。
先索取保單條款，確認受保事件、資格限制、保額與費用。把保費加入貸款本金，會同時增加之後支付的利息；即使每月加幅看來小，也要比較整段貸款成本及自己已有的保障。簽約後的付款義務須依正式合約處理。
CFPB 指出可取消這類信用保險；提早還清、再融資或出售車輛時，也可能有未用部分退款。沒有文件可向貸款人、承保公司或車商索取，並保留取消及退款申請紀錄。若對方聲稱不買自選信用保險便不能批貸，可向 CFPB 或州主管機關反映；提出投訴並不自動取消貸款或確定退款額。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/
English
Auto-loan credit insurance: compare coverage, financing costs and cancellation
A dealer or lender may offer credit insurance alongside a car loan. Depending on the contract, it pays the lender after events such as death, disability or involuntary job loss. CFPB describes this as an optional add-on, separate from legally required vehicle liability insurance and from GAP products.
Request the policy terms, eligibility restrictions, covered events, limits and price. Financing the premium increases the loan balance and interest paid over time. Compare the total cost with existing protection rather than considering only a small monthly increase. Once a contract is signed, payment obligations must be handled through its formal terms.
CFPB says these credit-insurance products can be cancelled. Selling the vehicle, refinancing or paying early may also create an unused-premium refund. Obtain missing documents from the lender, insurer or dealer and retain cancellation and refund records. If optional credit insurance is presented as a condition of loan approval, contact CFPB or the state regulator. A complaint itself neither cancels the loan nor determines a refund.
Original publication date not established. Checked October 2, 2026. Official source: https://www.consumerfinance.gov/ask-cfpb...an-en-799/
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: Consumer Financial Protection Bureau
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.