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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 goal is to help you make better financial choices by providing you with interactive financial calculators and tools as well as publishing original and objective content. We also allow you to conduct your own research and compare data for no cost to help you make sound financial decisions. 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 who pay us. This compensation may impact how and when products are featured on the site, such as for instance, the sequence in which they be listed within the categories of listing and other categories, unless prohibited by law. Our loan products, such as mortgages and home equity and other home loan products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not contain the universe of companies or financial offerings that could be open to you. Westend61/Getty Images

6 min read Published 31 January 2023

Written by Allison Martin Written by Allison Martin’s work started over 10 years ago as a digital media strategist, and she’s since been featured in a variety of top financial media 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 writing and editing for Bankrate since the end of 2021. They are committed to helping readers gain the confidence to manage their finances through providing precise, well-studied information that breaks down complex subjects into digestible pieces. The Bankrate guarantee

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You have money questions. Bankrate has the answers. Our experts have been helping you manage your finances for more than four years. We continually strive to give our customers the right guidance and the tools necessary to succeed throughout life’s financial journey. Bankrate adheres to a strict code of conduct standard of conduct, so you can rest assured that our information is trustworthy and precise. Our award-winning editors, reporters and editors produce honest and reliable content to help you make the right financial choices. The content we create by our editorial staff is objective, factual and is not influenced through our sponsors. We’re honest regarding how we’re able to bring quality information, competitive rates and useful tools for you by explaining how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the promotion of sponsored goods and, services, or when you click on certain hyperlinks on our website. Therefore, this compensation may impact how, where and in what order items are listed and categories, unless it is prohibited by law. We also offer mortgage, home equity and other home lending products. Other elements, such as our own website rules and whether a product is available within the area you reside in or is within your self-selected credit score range may also influence how and when products are featured on this site. While we strive to provide an array of offers, Bankrate does not include specific information on every financial or credit product or service. If you’ve bought a brand new or used car , and are having second thoughts about it you usually won’t be able to return the vehicle. The seller who sold you the car is usually not legally bound to return the car and offer you a reimbursement or exchange once you’ve signed the contract. There are some exceptions to this law. Some dealerships may allow you to return the vehicle under specific circumstances. If the vehicle has significant mechanical problems, the dealership could be legally required to accept the return. However, it’s best not to have to return the vehicle in the first place. The reasons to return your vehicle Other than buyer’s remorse, other possible reasons to return your car are mechanical or financial problems. Dealers might offer to help you in the event that you are unable to pay the bill. With mechanical issues, whether you can return the vehicle to the dealer will depend on how you do it and the terms and terms of return policy. You were ripped off If you believe that this is the case situation, you ought to consider a meeting with the dealership manager. If you are meeting with the supervisor, bring documents to support your claim that you were not cheated. For example, if believe the dealer overcharged provide evidence of the car’s fair market value from a reliable authoritative source (like Edmunds or Kelley Blue Book) to prove your argument. Then, present your case to the manager in a calm manner. Keep in mind that, having already signed the contract the options aren’t unlimited if the manager chooses not to comply with your request. You can also contact your state attorney general’s office for a discussion of your choices. Make a complaint to the Better Business Bureau. Employ an attorney to take action against the dealership. Leave a bad review on the website of the dealership. You can file a complaint with the state’s consumer protection agency or the Federal Trade Commission. Tips for banks

To determine if you’ve paid an unfair amount to determine if you’ve been charged unfairly, look up the value of cars with identical make, model, and similar mileage on or .

Your car’s monthly payments are excessive If you’re planning to return your vehicle because your monthly car payment is too high, you’ll have greater difficulty in getting the argument to return the car. The manager at the dealership’s general office may claim that you ought to have decided whether you could pay the monthly installments before buying the car. It’s up to the dealer to decide if they want to let you return the vehicle and exchange it for a cheaper model. Contact the person who sold you the car first. If that doesn’t work call the sales manager or the general manager of the dealership. After you’ve exhausted all alternatives, consider different options for . your auto loan with an interest rate that is lower or a longer time frame can lower your monthly payment. Tips from Bankrate

Utilize an application to determine the amount you could 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 perform as it should, you must first collect documents detailing the mechanical issues that you’ve faced. You may need multiple trips to the dealer’s service department. Make sure your complaints are recorded with full detail on all repair orders. If the problem still hasn’t been fixed and you’re not sure if the car is a lemon – the vehicle is beyond repair. Since laws vary between states, you’ll have to research to determine if you are able to make a legitimate claim under the lemon law. In many states, lemon laws apply to vehicles that have an issue that seriously affects your ability to drive it. Other requirements for lemon laws that vary from state to states include the amount of time after purchasing the vehicle, its mileage and the number of times the dealership attempted to fix the vehicle. It is possible to find the laws of your state, and it provides each state’s mandatory actions and timeline to return a vehicle under lemon laws. Upon a successful claim you’ll have the option to get a refund or comparable vehicle exchange. There are only seven states that have lemon laws applicable to used cars: Connecticut, California, Massachusetts, Minnesota, New Jersey, New Mexico and New York. The laws are subject to limitations and the laws will not give much relief in your situation. Tips for banks

You could be entitled to reimbursement of your attorney fees if you hire an attorney to represent you in your case. Keep an eye on your legal expenses throughout the course of your case.

It was a change of heart Dealers rarely find buyer’s remorse convincing. Few dealerships have a return policy. After you’ve signed the sales contract, you’re responsible for paying the amount promised in the contract. Although the FTC includes a “cooling-off rule” that states where you have the right to cancel within three days a purchase made at your home, workplace or seller’s temporary address the purchase of a vehicle is one of the exceptions. If a dealer sells you a car at a temporary location, the rule applies if they have a permanent location. Some states also have an “right to cancel” period which allows you to return the car within a specified time without incurring penalties or the damage to your credit report. The vehicle is required to be returned in the exact condition as when you bought it. Other restrictions may apply. Bankrate tip

Make sure you avoid this scenario by doing your research ahead of time. Follow these for you before making a decision on a new vehicle.

The dealer you are dealing with has a return-policy few dealers have return policies. For example, has a 30-day return policy. If you aren’t happy with the car, you can exchange it for one you like , or receive a full refund. Additionally, certain dealerships offer exchange plans where you have a limited period of time to return the car. Remember that other stipulations could prevent you from being able to turn the car into. If you’re able to turn it in and sell it, you’ll have to pay the difference between what the vehicle is worth today and what the car is currently worth. Bankrate tip

Always ask for a dealership’s return policy in writing. That way, you’ll understand the terms and conditions and can withstand any attempt to deny your claim.

How can you avoid returning your car to avoid the troublesome process of returning a vehicle, you should properly prepare to purchase an automobile. This process . Review car reviews on the model and make you are considering on websites such as . It’s recommended to conduct price research using Kelley Blue Book or Carfax as well as a budget to see and try the car. It’s equally important to research dealerships in advance by reviewing online reviews. Utilize sites such as BBB.com to ensure dealerships have a good reputation and exceptional customer service. In addition, you’ll need to research the history and the state of repair of the particular car you’re considering purchasing. You can begin by reviewing the history report for the vehicle via sites like Carfax or AutoCheck and the information about the vehicle can be accessed through the . If you’re purchasing a car from a dealer the dealership to provide the car’s history to review. It’s also a good idea that you take the car for a thorough inspection by a professional person who will give an impartial evaluation of the vehicle and any issues it may have. If the mechanic discovers mechanical problems, ask the seller to foot the bill for repairs. Options for returning the vehicle You aren’t able return your vehicle? There are still alternatives. You can sell it. If you sell it to someone else it could be possible to avoid having a car you don’t like. It’s possible that you won’t be able to recover the full amount you paid the dealer because a car depreciates once it’s driven away from the dealership. You’ll be on the hook to pay an amount that is different between dealership cost and the amount that the buyer pays for the vehicle. Request a voluntary repossession. If you are unable to afford the monthly payments You can contact the lender and request the repossession to be voluntary. While this will make your monthly payments non-existent but you need to be cautious before taking this decision. A lender is still able to be able to report the repossession to credit bureaus. Repossession negatively impacts your credit score for up to seven years, making it more expensive to get a new auto loan. You can refinance the auto loan. If your monthly payment is too high, you can by extending the term or securing a lower interest rate. When you do this, however be beneficial, the results are temporary. In reality, after only several months of payments your credit score is likely to rebound or even improv e. The most important thing to remember is that prior to you purchase a car take some time to research the cost of cars you like and reviewing the return policy of the dealership and reviews of the car. In the absence of research, you could find you with the car you bought. In the majority of cases you aren’t able to return a car you just bought — most dealerships don’t permit it. If you’re not able to return a vehicle, there are other ways to get rid of it. You can sell it or make an action under the lemon law in certain circumstances. In addition, if you suffer from buyer’s remorse due to large payments, but wish to keep your car, you can refinance the auto loan to reduce the amount of costs.

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Allison Martin’s writing began more than 10 years ago when she was an online content strategist and she’s since been published in a variety of top financial publications 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 since the end of 2021. They are committed to helping readers gain confidence to control their finances through providing clear, well-researched information that breaks down otherwise complex topics into digestible chunks.

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