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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 offering interactive tools and financial calculators that provide objective and original content. This allows you to conduct your own research and compare information for free and help you make informed financial decisions. Bankrate has partnerships 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 site are from companies who pay us. This compensation can affect the way and where products appear on this website, for example such things as the order in which they may appear in the listing categories and other categories, unless prohibited by law. Our loans, mortgages, and other home lending products. This compensation, however, does have no impact on the information we provide, or the reviews you see on this site. We do not cover the entire universe of businesses or financial offers that may be available to you. Westend61/Getty Images

6 minutes read. Published January 31, 2023

Written by Allison Martin Allison Martin Written by Allison Martin’s career began more than 10 years prior to that as a digital content strategist, and she’s since been published in numerous prestigious 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 editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to control their finances by providing concise, well-researched and well-written information that breaks down otherwise complex topics into manageable bites. The Bankrate guarantee

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In 1976, Bankrate was founded. Bankrate has a long history of helping people make smart financial choices.

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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 needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is truthful and precise. Our award-winning editors and journalists produce honest and reliable content that will help you make the right financial choices. The content created by our editorial staff is factual, objective and uninfluenced from our advertising. We’re honest regarding how we’re capable of bringing high-quality content, competitive rates, and useful tools to our customers by describing how we make money. is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods andservices or when you click on specific links on our website. Therefore, this compensation may influence the manner, place and in what order products appear in listing categories and categories, unless it is prohibited by law. This is the case for our mortgage home equity, mortgage and other home lending products. Other factors, like our own website rules and whether or not a product is available in the area you reside in or is within your own personal credit score can also impact how and when products are featured on this website. While we strive to provide the most diverse selection of products, Bankrate does not include details about each financial or credit item or service. If you’ve purchased a brand-new or used vehicle and you have second thoughts about it typically, you won’t be able to return the vehicle. The person who sold the car is usually not legally bound to return it and give you a refund or exchange once you’ve signed the sale contract. There are exceptions to this policy. Certain dealerships might allow you to return your car in specific conditions. If the vehicle has significant mechanical problems, the dealership might be obliged by law to allow a return. Still, it’s better to avoid having to return a vehicle in the first place. The reasons to return your vehicle Apart from buyer’s remorse reasons to sell your car include financial or mechanical issues. The dealership may be willing to assist customers who are not able to pay the bill. When you encounter mechanical problems, whether you can return the vehicle to the dealer is contingent on the conditions as well as conditions for the vehicle return policy. You got ripped off If you think you were ripped off situation, you ought to consider a meeting with the dealer manager. If you do meet with the supervisor, be sure to bring documentation to corroborate your claim that you have been wronged. For example, if you believe the dealer overcharged, present evidence of the vehicle’s fair market value to a credible authoritative source (like Edmunds or Kelley Blue Book) to support your argument. Present your case to the manager calmly. Be aware that, since you’ve signed the contract the options aren’t unlimited should the manager refuse to comply with your request. You can also contact the office of your state attorney general for a discussion of your choices. Make a complaint to the Better Business Bureau. Employ an attorney to sue the dealership. Review a negative experience on the dealership’s website. Make a complaint to the consumer protection agency in your state as well as the Federal Trade Commission. Tip from the bank

To find out if you’ve been charged the wrong amount You can check the value of cars with identical make, model and similar mileage on or .

Your car’s monthly payments are too high If you want to return your car because your monthly car payments are high, you’ll have more difficult time convincing the dealer to let you return the vehicle. The dealership’s general manager may claim that you should have determined whether you could manage the monthly payments prior to buying the car. It’s up to the dealership whether they will allow you to bring back the car and exchange it to a more affordable model. Speak with the salesperson who sold you the car first. If that doesn’t work, get in touch with the sales manager, or the general manager of the dealership. After you’ve exhausted all options, look into alternative options to . Your auto loan with lower interest rates or a longer time frame can lower the monthly cost. A tip from Bankrate

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

Your car is a lemon. To build a case for returning a car that isn’t perform as it should, you must first collect evidence of the mechanical issues you’ve experienced. It may be necessary to make multiple trips to the service department of your dealer. Make sure your complaints are recorded in full on all repair orders. If the problem still remains unsolved and you’re not sure if your vehicle is a lemon, a vehicle beyond repair. Because the laws are different between states, you’ll have to research to see whether you can make a legitimate lemon law claim. In many states, laws pertaining to lemons only apply to new vehicles with an issue that seriously affects your ability to drive it. Other requirements for lemon laws that differ from state to states include the amount of time that you have to wait after buying the car, the vehicle’s mileage and the number of times the dealership tried to fix the vehicle. It is possible to research the laws of your state, and it provides each state’s mandatory actions and timeline for returning a car under lemon laws. After a successful claim you’ll be able to get a refund or similar exchange. Seven states have lemon laws for used vehicles: Connecticut, California, Massachusetts, Minnesota, New Jersey, New Mexico and New York. The laws are subject to limitations and the laws might not offer any relief for your circumstances. Tips for banks

You may be entitled to reimbursement for attorney fees if you hire an attorney to assist in your case. Be sure to keep the track of your legal costs as you go through the course of your case.

It was a change of heart Dealers rarely consider buyer’s remorse to be convincing. Few dealers have a return policy. Once you sign the contract of sale and you’re responsible for the payment of the amount promised in the contract. Even though the FTC has an “cooling-off rule” — a rule which gives you the right to cancel within three days an agreement that you make at home, workplace or seller’s temporary location — a purchase of a car is one of the exceptions. If a dealership offers you a car at a temporary location, the rule still applies to them as long as they have a permanent location. Some states also have the “right to cancel” period which allows you to return the car within a certain time frame without incurring penalties or the damage to your credit report. But, the car has to be used in the same way that it was in when you bought it. Other limitations often apply. Tips for banks

Avoid this situation by conducting research prior to the time. Use these tips before making a decision on a new vehicle.

The dealer you are dealing with has a return policy A few dealerships have return policies. For instance, it has a 30-day return period. If you aren’t satisfied with the vehicle, you can swap it out for one you would like or request the money back. Additionally, certain dealerships have exchange programs where you are given a certain number of days to exchange your vehicle. Remember that other restrictions could keep you from turning the car into. If you can turn it in and sell it, you’ll have to pay the difference between what the vehicle is worth today and the value of the car currently worth. Bankrate tip

Always request a dealership’s refund policy in writing. This way, you’ll be aware of the terms and conditions and will be able to navigate any attempt to deny your claim.

How to avoid returning the car if you wish to avoid the hassle of returning your car it is important to prepare for the purchase of the vehicle. This process . Check out reviews of the car you’re thinking about on sites like . It’s recommended to perform price research by using Kelley Blue Book or Carfax, , create an estimated budget, and try the car. It’s also important to research dealerships in advance by reading online reviews. Make use of sites such as to ensure dealerships have an excellent reputation and provide top-quality customer service. Additionally, you’ll want to conduct some research on the background as well as the condition and history of the specific vehicle you’re thinking of purchasing. Start by looking over the history report for the vehicle through websites like Carfax or AutoCheck, where information on the car can be found by using the . If you’re purchasing a car from a dealer, ask the dealership to provide the car’s history to review. It’s also a good idea to bring the vehicle to an expert who can provide an unbiased review of the vehicle and any issues it might have. If the mechanic finds mechanical problems, ask the seller to foot the cost of repairs. Options for returning the car If you aren’t able to return your vehicle? You still have options. Sell the car. Through a third party you could be able to escape having a car you don’t like. It’s possible that you won’t be able to recover the entire amount you paid the dealer since a vehicle depreciates when it’s taken away from the dealership. The buyer is responsible for any difference in the dealer 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 could call the lender and request a voluntary repossession. Even though this could eliminate your monthly payments however, you must be cautious before taking this action. A lender may still report the repossession to the credit bureaus. The repossession can negatively impact the credit rating for as long as seven years, which makes it more costly to obtain a future auto loan. Consider refinancing your car loan. If your monthly installments are too high, you can extend your loan term or securing a lower interest rate. Although this is a step that will have an effect, it is only temporary. In fact, after a few months of making payments your credit score will be restored or improved. The most important thing to remember is that prior to you buy a car, spend some time researching the cost of cars you like , and then reading the dealership’s return policy and customer reviews. Failing to research could leave you with the car you bought. Most of the time you aren’t able to return the car you purchased recently — the majority of dealerships won’t allow it. If you’re not able return a car however, there are other options to dispose of the vehicle. You can sell it or submit an action under the lemon law in certain conditions. In addition, if you suffer 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 a digital 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 Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to take control of their finances through providing concise, well-researched and well-researched content that breaks down otherwise complex topics into manageable bites.

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