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Can you return a vehicle you just bought? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with interactive financial calculators and tools, publishing original and objective content. This allows users to conduct research and evaluate information for free and help you make financial decisions with confidence. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this site are from companies that pay us. This compensation could affect how and where products are displayed on the site, such as, for example, the order in which they may appear in the listing categories, except where prohibited by law. This applies to our mortgage, home equity, and other home lending products. This compensation, however, does have no impact on the information we provide, or the reviews that appear on this website. We do not cover the entire universe of businesses or financial deals that might be accessible to you. Westend61/Getty Images
6 min read Published on January 31, 2023.
Written by Allison Martin Written by Allison Martin's work began over 10 years ago as a digital media strategist. She's been featured in a variety of top financial media outlets, such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Editor: Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain the confidence to control their finances through providing concise, well-researched and well-written information that breaks down complex subjects into digestible pieces. The Bankrate guarantee
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You have money questions. Bankrate has answers. Our experts have helped you understand your finances for more than four decades. We are constantly striving to give our customers the right advice and tools needed to succeed throughout life's financial journey. Bankrate adheres to strict standards , so you can trust that our content is truthful and accurate. Our award-winning editors, reporters and editors provide honest and trustworthy information to assist you in making the right financial choices. Our content produced by our editorial team is objective, factual and uninfluenced by our advertisers. We're honest about how we are in a position to provide quality information, competitive rates and useful tools to you by explaining how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products or services, or through you clicking certain hyperlinks on our site. So, this compensation can impact how, where and in what order items appear within listing categories in the event that they are not permitted by law. We also offer mortgage home equity, mortgage and other products for home loans. Other factors, like our own proprietary website rules and whether the product is available in the area you reside in or is within your own personal credit score can also impact the way and place products are listed on this site. We strive to provide an array of offers, Bankrate does not include details about every credit or financial product or service. If you've bought a brand new or used vehicle and you have doubts about it, you're not likely to return the vehicle. The dealer who sold you the car is usually not legally bound to take it back and give you a refund or exchange once you've signed the contract. There are some exceptions to this policy. Some dealerships may allow you to return the vehicle under specific circumstances. If the car is experiencing major mechanical problems, the dealership could be legally required to accept the return. However, it's best to avoid the need to return your car in the first instance. There are many reasons to return your car. Apart from buyer's remorse motives to return your vehicle could be mechanical or financial issues. The dealership may offer to help you in the event that you are unable to pay the bill. When you encounter mechanical problems and/or mechanical issues, the ability to return the vehicle to the dealer will depend on how and the terms and terms of car return policy. You got ripped off If you think you were ripped off , you should consider meeting with the dealership manager. If you are meeting to discuss the matter, make sure you bring documentation to corroborate your claim that you have been wronged. For instance, if you believe the dealer overcharged provide evidence of the car's fair market value to a credible authoritative source (like Edmunds or Kelley Blue Book) to back up your case. Present your case to the manager in a calm manner. Remember that since you've already signed the contract the options aren't unlimited should the manager refuse to honor your request. You may also: Contact your state attorney general's office for a discussion of your choices. You can file a complaint with the Better Business Bureau. Find an attorney to bring a lawsuit against the dealership. Write a negative review on the website of the dealership. File a complaint with the state's consumer protection agency or the Federal Trade Commission. Bankrate tip
To research whether you've paid an unfair amount, you can look up the worth of cars that have similar make, model, and similar mileage on or .
The car's payments are too high If you're planning to return your vehicle because your monthly car payments are excessive, you'll face greater difficulty in convincing the dealer to let you return the vehicle. The general manager of the dealership could argue that you should have determined whether you can pay the monthly installments before purchasing the car. It's the dealership's decision whether they will allow you to bring back the car and trade it in for a cheaper model. Speak with the salesperson who sold your car in the first place. If that doesn't work contact the sales manager or the general manager of the dealership. Once you've exhausted those possibilities, you can look at other methods to . the auto loan with lower interest rates or a longer term can reduce your monthly payments. A tip from Bankrate
Use this tool to find out the amount you could save, and then compare various loan options.
Your car is a lemon. To build a case for returning a car that doesn't perform as it should, you must first collect documentation showing the mechanical problems that you've faced. It may be necessary to make multiple trips to the service department of your dealer. Be sure to note your concerns in detail on all repair requests. If the issue remains unsolved then you could conclude that your vehicle is a lemon, an unfixable vehicle. Because the laws are different between states so you'll need to conduct a thorough investigation to determine whether you're able to make a legitimate claim under the lemon law. In many states, laws pertaining to lemons apply to vehicles that have an issue that seriously affects your ability to drive. Other requirements for lemon laws that vary from state to states include the amount of time from the time you purchased the vehicle, the mileage of the vehicle and the amount of times the dealership attempted to fix the vehicle. It is possible to find the laws of your state, and it outlines each state's required actions and the timeframe for returning a car under lemon laws. After a successful claim you'll have the option to get a refund or similar exchange. Only seven states have lemon laws applicable to used cars: Connecticut, California, Massachusetts, Minnesota, New Jersey, New Mexico and New York. There are limitations, and these laws will not give any relief for your circumstances. Tips for banks
You may be entitled to reimbursement for your attorney's expenses if you engage an attorney to represent you in your case. Be sure to keep an eye on your legal expenses during the course of the case.
You changed your mind Dealers rarely consider buyer's remorse to be persuasive. Very few dealers have a return policy. When you sign the sale contract it is your responsibility to pay the amount promised in the contract. Even though the FTC includes an "cooling-off rule" -- a rule where you have 3 days in which to cancel a purchase that you make at office, home, or temporary place of business the purchase of a vehicle is one of its exceptions. Even if a dealership sells you a car at an uncontained location, the rule still applies as long as they have a permanent location. Certain states also offer an "right to cancel" period that lets you return the vehicle within a set time period without incurring penalties or damage to your credit profile. But, the car has to be used in the same way as it was when you bought it. Other restrictions may are also in place. Tip for Bankrate
Make sure you 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 dealerships have return policy. For instance, it has a 30-day return policy. If you don't like the car, you may exchange it for one you like , or receive a full refund. Additionally, certain dealerships offer exchange programs in which you are given a certain amount of time to return the car. Keep in mind that or other stipulations could prevent you from being able to turn the vehicle in. If you are able to return it however, you'll likely need make payments for any difference in the value currently and the value of the car currently worth. Bankrate tip
Always get a dealership's return policy in written form. So, you'll know the terms and conditions , and will be able to navigate any attempt to refuse your claim.
How to avoid having to return a car If you want to avoid the troublesome process of returning your car it is important to prepare to purchase an automobile. This is the process . Check out reviews of the car you're thinking about on sites like . It's an excellent idea to conduct price research by using Kelley Blue Book or Carfax as well as an estimated budget, and drive the vehicle. It's also important to research the dealership in advance by reading online reviews. Utilize sites such as BBB.com to make sure that the dealership has an excellent reputation and provide top-quality customer service. Additionally, you'll want to spend some time researching the history as well as the condition and history of the vehicle you're thinking of purchasing. It is possible to begin by looking up history reports for the vehicle through websites like Carfax or AutoCheck, where information on the vehicle can be accessed by using the . If you're purchasing a car from a dealer, ask the dealer to provide the car's history to review. It's recommended to bring the vehicle to be inspected by an who can provide an unbiased evaluation of the vehicle and any problems it might have. If the mechanic finds mechanical issues, you can ask the seller to cover the bill for repairs. Other options to return your car You aren't able return your vehicle? There are still options. You can sell the car. If you sell it to someone else you could be able to avoid being stuck with a vehicle you don't like. You may not be able to recoup the full amount you paid to the dealer because a car depreciates when it's taken away from the dealership. You'll be on the hook for any difference in the dealer price and the amount you pay for your car. Ask for an informal repossession. If you are unable to afford the monthly installments then you can call the lender and ask for an uninvolved repossession. Although this would make your monthly payments non-existent, you should be cautious before taking this action. A lender may still report the repossession to the credit bureaus. Repossession negatively impacts the credit rating for as long as seven years, making it more costly to obtain a future auto loan. Refinance your auto loan. If your monthly payments are excessive, you can by extending your time frame or getting a lower interest rate. While taking this step will be beneficial, the results are temporary. In fact, after just a few months of making payments your credit score will rebound or even improv e. The bottom line Before you buy a car take some time to research the cost of cars you like , and then studying the dealer's return policy and reviews of the car. If you don't do your homework, it could leave you with the car you bought. In most cases you aren't able to return a vehicle you've purchased -- the majority dealerships won't allow it. If you're not able to return a vehicle you've purchased, there are other methods to dispose of it. You can either sell it or file a lemon law claim in certain conditions. If you are suffering from buyer's remorse due to excessive payments, but you want to keep your car, you could refinance your auto loan to lower the cost of the loan.
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Allison Martin's work began more than 10 years ago when she was a digital content strategist, and since then she's been published in several leading financial outlets such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain confidence to take control of their finances through providing clear, well-researched information that break down complex topics into manageable bites.
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