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Can you return a car you just bought? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by offering you interactive financial calculators and tools, publishing original and objective content. We also allow users to conduct research and evaluate information for free - so that you can make financial decisions with confidence. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies that compensate us. This compensation can affect the way and where products are displayed on the site, such as, for example, the sequence in which they be listed within the categories of listing, except where prohibited by law. Our mortgage, home equity, and other home loan products. This compensation, however, does not influence the content we publish or the reviews appear on this website. We do not include the vast array of companies or financial deals that might be accessible to you. Westend61/Getty Images
6 min read Read Published January 31, 2023
Written by Allison Martin Written by Allison Martin's work began over 10 years ago as a digital content strategist, and she's since been published in numerous prestigious financial outlets, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Editor: Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping readers gain the confidence to manage their finances with concise, well-researched and well-written information that breaks down complex subjects into digestible pieces. The Bankrate promise
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They ensure that what we write will ensure that our content is reliable, honest and reliable. We have loans reporters and editors are focused on the areas that consumers are concerned about the most -- the different types of lending options as well as the best rates, the most reliable lenders, ways to pay off debt and much more. So you're able to be confident about investing your money. Integrity in editing
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There are money-related questions. Bankrate has answers. Our experts have been helping you master your finances for more than four years. We strive to continuously provide our readers with the professional advice and tools needed to be successful throughout their financial journey. Bankrate adheres to strict standards , so you can trust that our information is trustworthy and reliable. Our award-winning editors and reporters create honest and accurate content to help you make the right financial choices. Our content produced by our editorial team is accurate, truthful, and not influenced by our advertisers. We're open about how we are capable of bringing high-quality information, competitive rates and useful tools for you by explaining how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the placement of sponsored products and, services, or through you clicking specific links on our site. Therefore, this compensation may affect the way, location and when products appear in listing categories in the event that they are not permitted by law for our mortgage, home equity and other home loan products. Other factors, like our own proprietary website rules and whether or not a product is available within your region or within your personal credit score may also influence how and where products appear on this website. While we strive to provide an array of offers, Bankrate does not include specific information on every credit or financial product or service. If you've purchased a new or used car , and are having second thoughts about it you're not likely to return the car. The dealer who sold you the vehicle is typically not legally required to take it back and offer you a reimbursement or exchange after you've signed the sales contract. There are exceptions to this policy. Some dealerships may allow you to return the car in specific conditions. If the vehicle has significant mechanical problems, the dealership might be legally required to accept a return. It's still better to avoid having to return your car in the first place. There are many reasons to return your car. Besides buyer's remorse, possible reasons to return your car could be mechanical or financial issues. Dealers may be willing to work with you in the event that you are unable to pay the bill. If you have mechanical issues the possibility of returning the vehicle to the dealer depends on how you do it and the terms as well as conditions for the vehicle return policy. You were ripped off If you feel like the situation, you ought to consider a meeting with the dealership manager. When you meet with the manager, be sure to bring documentation to corroborate your claim that you were wronged. For instance, if you believe the dealer overcharged show evidence of the car's fair market value to a credible authoritative source (like Edmunds or Kelley Blue Book) to prove your argument. Present your case to the manager calmly. Keep in mind that, having already signed the contract the options aren't unlimited should the manager refuse to honor your request. You can also contact your state attorney general's office and discuss options. You can file a complaint with the Better Business Bureau. Hire an attorney to take action against the dealership. Write a negative review on the website of the dealership. You can file a complaint with the consumer protection agency in your state as well as the Federal Trade Commission. Tip from the bank
To research whether you've paid an unfair amount, you can look up the price of vehicles with identical make, model, and the same mileage or .
Your car's monthly payments are excessive If you want to return your car because your monthly car payments are high, you'll have a more difficult time convincing the dealer to let you return the car. The manager at the dealership's general office might claim that you should have figured out whether you are able to afford the monthly payments before buying the vehicle. It's up to the dealer whether to allow you to bring back the car and exchange it to a more affordable model. Talk to the salesperson who sold that car initially. If this doesn't work, call the sales manager or the dealership's general manager. After you've exhausted all options, look into other methods to . your auto loan with an interest rate that is lower or a longer time frame can lower your monthly payment. Bankrate tip
Utilize an application to determine how much you can save and to compare different loan options.
The car you own is a lemon. If you want to build a case for returning a car that doesn't work properly, you should first gather documents detailing the mechanical issues you've encountered. It may be necessary to make multiple trips to the dealer's service department. Ensure your complaints are noted with full detail on all repair requests. If the problem still isn't resolved and you're not sure if your car is a lemon -- the vehicle is beyond repair. Because laws differ between states, you'll have to research to determine if you are able to make a legitimate lemon law claim. In most states, lemon laws are applicable to new cars that have a serious defect impairing your ability to drive it. Other lemon law requirements that vary from state state include the length of time that you have to wait after buying the car, the vehicle's mileage and the amount of times the dealership attempted to repair the vehicle. You can research the laws of your state. It provides each state's mandatory actions and the timeframe for returning a car under lemon laws. If you are successful in claiming you'll have the option to secure a refund or comparable vehicle exchange. There are only seven states that have lemon laws on used cars: Connecticut, California, Massachusetts, Minnesota, New Jersey, New Mexico and New York. There are limitations, and these laws might not offer any relief for your circumstances. Bankrate tip
You may be entitled to reimbursement for your attorney's fees if you hire an attorney to help make your case. Be sure to keep an eye on your legal expenses during the course of the case.
It was a change of heart Dealers generally do not consider buyer's regret to be persuasive. Very few dealerships have a return policy. Once you sign the sales contract it is your responsibility to pay the amount promised in the contract. Although the FTC has the "cooling-off rule" which is a law that gives you the right to cancel within three days a sale which you made at your home, workplace or seller's temporary address -- a vehicle purchase is among its exceptions. Even if a dealership sells you a car in an in-between location, the rule still applies if they have a permanent address. Some states also provide a "right to cancel" period in which you can return the car within a certain time frame without incurring any penalties or damage to your credit profile. However, the vehicle must be in the same condition as when you bought it. Other limitations often apply. Bankrate tip
Try and avoid this scenario by doing your research ahead of time. Use these tips before signing off on a brand new vehicle.
The dealer you are dealing with has a return policy A few dealers have return policies. For example, has 30 days of return time. If you aren't satisfied with the car, you may exchange it for one that you like or get a full refund. Additionally, certain dealerships offer exchange plans where you are given a certain period of time to exchange your vehicle. Remember that other conditions could stop you from being able to turn the vehicle in. If you are able to sell it, you will likely have make payments for any difference in the current value and what the vehicle is currently worth. Bankrate tip
Always ask for a dealership's return policy in writing. This way, you'll be aware of the conditions and terms of the policy and can navigate any attempt to reject your claim.
How to avoid having to return a car If you want to avoid the hassle of returning a vehicle You must prepare properly for the purchase of the vehicle. This is the process . Read car reviews about the make and model you are considering on websites like . It's recommended to conduct a price analysis by using Kelley Blue Book or Carfax, , create an estimate of your budget and then test-drive the vehicle. It's equally important to research the dealership in advance by looking up online reviews. Utilize sites such as BBB.com to ensure dealerships have an excellent reputation and offer top customer service. In addition, you'll need to research the background and the state of repair of the specific car you're looking to purchase. Start by looking over the history report for the vehicle via sites like Carfax or AutoCheck, where information on the vehicle can be accessed using the . If you're buying a vehicle from a dealer the dealership to provide the history of the vehicle for you to review. It's recommended to take the car to be inspected by an person who will give an impartial review of the vehicle and any issues it might have. If the mechanic notices mechanical issues, you can ask the seller to pay the repair costs. Other options to return your car You aren't able return your vehicle? You still have options. Sell the car. Through a third party, you might be able to avoid being stuck with a vehicle that you do not like. It's possible that you won't be able to recover the entire amount you paid to the dealer, since a car's value decreases when it's taken off the lot. The buyer is responsible to pay any difference in the dealer cost and the amount that buyers pay to purchase the vehicle. You can request a voluntary repossession. If you're unable to make the monthly payment You can contact the lender and request the repossession to be voluntary. While this will eliminate your monthly payments, you should be cautious before taking this decision. A lender can still be able to report the repossession to credit bureaus. The repossession can negatively impact the credit rating for as long as seven years. This makes it more costly to get a new auto loan. Refinance your auto loan. If your monthly payment is too high, you could do so extend your loan term or securing a lower interest rate. While taking this step will , the effects are only temporary. In fact, after just several months of payments, your credit score should improve or even increase. The main point is that before you buy a car, spend some time researching the price of the cars you like , and then reviewing the return policy of the dealership and reviews of the car. In the absence of research, you could find you with an unsatisfactory car. In the majority of cases it's impossible to return a car you purchased recently -- the majority of dealerships won't allow the return of a vehicle. If you're not able return a car you've purchased, there are other methods to dispose of it. You can either sell it or make an action under the lemon law in certain conditions. In addition, if you suffer from buyer's remorse because of high payments but want to keep the car, you may refinance your auto loan to reduce the amount of payments.
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Written by Allison Martin's work started over 10 years ago as an online content strategist and she's since been featured in various top financial media such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to take control of their finances through providing precise, well-studied information that breaks down complicated topics into digestible chunks.
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