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Can you return a vehicle you purchased recently? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by offering interactive financial calculators and tools as well as publishing original and objective content. This allows you to conduct research and compare information for free to help you make financial decisions with confidence. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this website are provided by companies who pay us. This compensation can affect the way and where products appear on this website, for example for instance, the order in which they may be listed within the categories of listing, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does have no impact on the information we publish, or the reviews that you see on this site. We do not include the entire universe of businesses or financial offerings that could be open to you. Westend61/Getty Images

6 minutes read. Published January 31, 2023

Written by Allison Martin Allison Martin Written by Allison Martin’s work began over 10 years ago as a digital content strategist. She’s been published in several leading financial media outlets, such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances with precise, well-studied information that breaks down complicated topics into bite-sized pieces. The Bankrate promises

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If you have questions about money. Bankrate has the answers. Our experts have been helping you master your finances for more than four decades. We are constantly striving to provide consumers with the expert advice and tools required to succeed throughout life’s financial journey. Bankrate adheres to a strict code of conduct , so you can trust that our content is honest and precise. Our award-winning editors, reporters and editors produce honest and reliable content that will help you make the right financial decisions. The content we create by our editorial team is accurate, truthful and is not influenced through our sponsors. We’re open about the ways we’re in a position to provide quality information, competitive rates and useful tools for our customers by describing how we earn our money. is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products andservices or when you click on specific links on our website. This compensation could impact how, where and in what order products are listed in the event that they are not permitted by law. This is the case for our mortgage, home equity and other products for home loans. Other elements, such as our own proprietary website rules and whether a product is available in your area or at your personal credit score could also affect how and when products are featured on this site. We strive to provide a wide range offers, Bankrate does not include information about every financial or credit 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 person who sold the vehicle is generally not legally bound to return the car and issue you a refund or exchange once you’ve signed the sales contract. There are a few exceptions to this policy. Some dealerships will allow you to return the vehicle in certain circumstances. If the car is experiencing major mechanical issues, the dealer could be required by law to accept the return. It’s still better to avoid having to return the car in the first instance. Reasons to return your car Besides buyer’s remorse, possible reasons to sell your car could be mechanical or financial issues. Dealers may be willing to assist customers who are not able to make the payments. If you have mechanical issues and/or mechanical issues, the ability to return the car to the dealer will depend on how and the terms and terms of car return policy. You were ripped off If you believe that this is the case situation, you ought to consider a meeting with the manager of the dealership. When you meet with the supervisor, be sure to bring documents to support your claim that you have been wronged. For example, if you think the dealer overcharged you provide evidence of the car’s fair market value to a credible authoritative source (like Edmunds or Kelley Blue Book) to support your argument. Then, present your case to the manager in a calm manner. Be aware that, since you’ve signed the contract the options aren’t unlimited should the manager refuse to honor your request. You may also: Contact the office of your state attorney general to discuss your options. You can file a complaint with the Better Business Bureau. Employ an attorney to sue the dealership. Review a negative experience on the website of the dealership. You can file a complaint with your state’s consumer protection agency or the Federal Trade Commission. Bankrate tip

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

Your car payments are excessive If you’re looking to sell the car due to monthly car payments are too excessive, you’ll face more difficult time making the case to return the vehicle. The manager at the dealership’s general office could argue that you should have figured out whether you can pay the monthly installments before buying the car. It’s the dealership’s decision whether they will allow you to bring back the car and trade it in for something more affordable. Talk to the person who sold you your car in the first place. If that doesn’t work get in touch with the sales manager, or the dealership’s general manager. After you’ve exhausted all alternatives, consider other methods to . the auto loan with a lower interest rate or a longer term can reduce your monthly payments. Bankrate tip

Use an to see how much money you could save and to compare different loan options.

Your car is a lemon For a convincing case of returning a car that isn’t work properly, you should first gather evidence of the mechanical issues that you’ve faced. You may need multiple trips to the dealership’s service department. Be sure to note your concerns in detail on all repair orders. If the problem still hasn’t been fixed, you may determine your vehicle is a lemon, an unfixable vehicle. Because laws differ between states, you’ll have to research to determine if you are able to claim a valid lemon law claim. In most states, the lemon law only apply to vehicles that have an issue that seriously affects your ability to drive. Other lemon law requirements that vary from state state include the length of time from the time you purchased the vehicle, the mileage of the vehicle and the amount of times the dealership tried to repair the vehicle. It is possible to find the laws of your state. It outlines each state’s required actions and timeframes to return a vehicle under lemon laws. If you are successful in claiming you’ll be able to get a refund or similar exchange. There are only seven states that have lemon laws for used cars: Connecticut, California, Massachusetts, Minnesota, New Jersey, New Mexico and New York. The laws are subject to limitations and the laws might not offer much relief in your situation. Tips for banks

You may be entitled to reimbursement for attorney 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 your case.

You’ve changed your mind Dealers do not generally consider buyer’s remorse to be to be persuasive. Few dealers have a return policy. When you sign the sales contract it is your responsibility to pay the note in accordance with the terms you’ve agreed to. Although the FTC has the “cooling-off rule” — a rule that gives you the right to cancel within three days a purchase made at your workplace, home or temporary address — a vehicle purchase is one of the exceptions. If a dealer sells you a car at a temporary location, the rule applies to them as long as they are in a permanent place. Certain states also offer the “right to cancel” period in which you can return the car within a certain time frame without incurring penalties or any damage to your credit score. But, the car has to be used in the same way that it was in when you purchased it. Other restrictions may are also in place. Bankrate tip

Try and avoid this scenario by doing your research ahead of time. Make sure to follow these guidelines prior to signing off on a new vehicle.

Your dealer has a return policy few dealerships have return policies. For example, they have a 30-day return policy. If you don’t like the car, you can swap it out for one you would like or request the money back. In addition, some dealerships offer exchange programs in which you have a limited period of time to exchange the vehicle. Remember that other conditions could stop you from being able to turn the vehicle in. If you are able to return it, you will likely have be responsible for the amount that is different between what the vehicle is worth today and what the vehicle is currently worth. Bankrate tip

Always request a dealership’s refund policy in written form. That way, you’ll understand the terms and conditions , and can withstand any attempt to refuse your claim.

How to avoid having to return your car to avoid the troublesome process of returning a vehicle, you should properly prepare to buy the vehicle. This procedure . Check out reviews of the make and model you’re considering on sites such as . It’s an excellent idea to conduct price research with Kelley Blue Book or Carfax and then create a budget to see and drive the vehicle. It’s equally crucial to research dealerships in advance by looking up online reviews. Make use of sites such as to ensure dealerships have an excellent reputation and provide top-quality customer service. In addition, you’ll need to spend some time researching the background and the state of repair of the particular car you’re looking to purchase. It is possible to begin by looking up history reports for the vehicle via sites like Carfax or AutoCheck and the information about the car can be found through its . If you’re purchasing a car from a dealer, you should ask the dealership to provide the car’s history for your review. It’s also a good idea to bring the vehicle for a thorough inspection by a professional who can provide an unbiased review of the vehicle and any problems it might have. If the mechanic finds mechanical problems, ask the seller to pay the repair costs. Options for returning the car If you aren’t able to return your vehicle? You still have options. You can sell the car. Through a third party it could be possible to avoid being stuck with a vehicle you don’t want. It’s possible that you won’t be able to recoup the full amount you paid the dealer because a car depreciates when it’s taken off the car lot. You’ll be on the hook for paying an amount that is different between dealership price and the amount you pay for your car. Ask for voluntary repossession. If you are unable to afford the monthly installments You can contact the lender and ask for the repossession to be voluntary. While this will reduce your monthly payments however, you must think twice before taking this decision. A lender may still notify the credit bureaus. Repossession negatively impacts the credit rating for as long as seven years. This makes it more expensive to obtain a future auto loan. Consider refinancing your car loan. If your monthly payments are too high, you can extend your loan time frame or getting the lowest interest rate. Although this is a step that will , the effects are only temporary. In fact, after just a few months of making payments, your credit score should be restored or improved. 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 studying the dealer’s return policy and customer reviews. Failing to research could leave you stuck with a car. In most cases, you can’t return the car you just bought — most dealerships will not allow it. If you’re not able return a car, there are other ways to get rid of the vehicle. You can either sell it or file a lemon law claim in certain conditions. If you are suffering from buyer’s remorse because of excessive payments, but you want to keep the car you may refinance your auto loan to reduce your monthly costs.


Allison Martin’s work started over 10 years ago, as an online content strategist and she’s since been featured in a variety of top financial publications such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Written by 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 take control of their finances with concise, well-researched and well-researched content that break down complex subjects into bite-sized pieces.

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