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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 financial calculators and tools as well as publishing original and objective content, by enabling users to conduct research and evaluate information for free – so that you can make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website are provided by companies that compensate us. This compensation can affect the way and when products are featured on this site, including such things as the order in which they may appear within the listing categories and other categories, unless prohibited by law. This applies to our loan products, such as mortgages and home equity and other products for home loans. This compensation, however, does not influence the content we publish or the reviews that you see on this site. We do not contain the entire universe of businesses or financial offers that may be open to you. Westend61/Getty Images

6 min read Published 31 January 2023

Written by 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 several leading financial outlets, including 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 from late 2021. They are committed to helping readers gain the confidence to manage their finances by providing concise, well-researched and well-written information that breaks down otherwise complex subjects into digestible pieces. The Bankrate promises

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If you have questions about money. Bankrate has the answers. Our experts have helped you understand your money for over four decades. We continually strive to give our customers the right advice and tools needed to make it through life’s financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our information is trustworthy and accurate. Our award-winning editors, reporters and editors provide honest and trustworthy content to help you make the right financial decisions. The content created by our editorial team is objective, factual and uninfluenced through our sponsors. We’re transparent about the ways we’re capable of bringing high-quality content, competitive rates, and useful tools for our customers by describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for placement of sponsored products or services, or by you clicking on certain hyperlinks on our site. So, this compensation can affect the way, location and when products appear within listing categories and categories, unless it is prohibited by law. We also offer mortgage home equity, mortgage and other home loan products. Other factors, such as our own website rules and whether or not a product is available in your region or within your personal credit score may also influence the way and place products are listed on this website. While we strive to provide the most diverse selection of products, Bankrate does not include information about every credit or financial product or service. If you’ve purchased a new or used car and have second thoughts about it you usually won’t be able to return the car. The person who sold the car is usually not legally bound to return the car and give you a refund or exchange after you’ve signed the sales contract. There are exceptions to this rule. Some dealerships may allow you to return the car in specific conditions. If the car is experiencing major mechanical issues, the dealership may be legally required to accept the 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 sell your car could be mechanical or financial issues. The dealership may be willing to assist you in the event that you are unable to make payments. When you encounter mechanical problems, whether you can return the car to the dealer is contingent on how you do it and the terms and conditions of the return policy. If you’ve been ripped off, and you think you were ripped off situation, you ought to consider a meeting with the manager of the dealership. When you meet with the manager, bring documentation to corroborate your claim that you have been wronged. For example, if believe that the dealer was overcharged provide evidence of the vehicle’s fair market value to a credible authoritative source (like Edmunds or Kelley Blue Book) to support your claim. Make your argument clear to the manager in a calm manner. Be aware that, since you’ve signed the contract, your options are limited should the manager refuse to honor 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. Hire an attorney to sue the dealership. Leave a bad review on the website of the dealership. You can file a complaint with the state’s consumer protection agency and the Federal Trade Commission. Tip from the bank

To research whether you’ve paid the wrong amount, you can look up the price of vehicles with the same make, same model and similar mileage on or .

The car’s payments are excessive If you want to return your vehicle because your monthly car payments are too excessive, you’ll face greater difficulty in getting the argument to return the car. The dealership’s general manager might argue that you should have figured out whether you can afford the monthly payments before buying the vehicle. It’s up to the dealer to decide if they want to let you bring back the car and exchange it to a more affordable model. Contact the person who sold you your car in the first place. If this doesn’t work, contact the sales manager or the dealership’s general manager. If you’ve exhausted your possibilities, you can look at alternative options to . the auto loan with a lower interest rate or a more extended term could lower your monthly payment. Bankrate tip

Utilize an application to determine how much you can save, and then compare various loan options.

Your car is a lemon. For a convincing case of returning a car that isn’t perform as it should, you must first collect evidence of the mechanical issues you’ve encountered. It is possible to require multiple visits to the dealership’s service department. Ensure your complaints are noted with full detail on all repair orders. If the problem still isn’t resolved then you could conclude that your car is a lemon — a vehicle beyond repair. Because the laws are different from state to state so you’ll need to conduct a thorough investigation to see whether you can claim a valid lemon law claim. In many states, lemon laws apply to vehicles that have a serious defect impairing your ability to drive. Other lemon law provisions that vary 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. You can research the laws of your state, and it outlines each state’s required actions and timeline to return a vehicle under lemon laws. After a successful claim you’ll be able to get a refund or comparable vehicle exchange. Only seven states have lemon laws on used vehicles: Connecticut, California, Massachusetts, Minnesota, New Jersey, New Mexico and New York. There are limitations, and these laws will not give some relief for you in your circumstance. Tips for banks

You could be eligible for reimbursement of your attorney expenses if you engage an attorney to assist in your case. Make sure you keep the track of your legal costs throughout the course of your case.

You changed your mind Dealers do not generally find buyer’s remorse convincing. Few dealers have a return policy. After you’ve signed the sale contract, you’re responsible for paying the note in accordance with the terms you’ve agreed to. While the FTC offers a “cooling-off rule” — a rule that gives you the right to cancel within three days a purchase which you made at your office, home, or temporary address the purchase of a vehicle is one of the exceptions. If a dealership offers you a car at a temporary place, the rule applies as long as they are in a permanent place. Certain states also offer the “right to cancel” period which allows you to return the vehicle within a certain time frame without incurring any penalties or damage to your credit profile. The vehicle has to be used in the same way as when you bought it. Other limitations often apply. Tips for banks

Try and avoid this scenario by conducting research prior to the time. Use these tips before signing off on a brand new vehicle.

The dealer you are dealing with has a return-policy few dealerships have return policies. For example, they have 30 days of return time. If you don’t like the car, you can exchange it for one you like or get a full refund. Additionally, certain dealerships offer exchange plans where you are given a certain number of days to exchange your vehicle. Be aware that other stipulations could prevent you from turning the vehicle into. If you’re able to turn it in, you will likely have to pay the difference between what the vehicle is worth today and what the car is currently worth. Bankrate tip

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

How can you avoid returning your car to avoid the difficult process of returning a car it is important to prepare for the purchase of the vehicle. This procedure . Check out reviews of the make and model you are considering on websites such as . It’s recommended to perform price research by using Kelley Blue Book or Carfax, , create an estimated budget, and test-drive the vehicle. It’s equally important to research the dealership in advance by reviewing online reviews. Utilize sites such as BBB.com to ensure dealerships have an excellent reputation and provide top-quality customer service. Additionally, you’ll want to spend some time researching the background and condition of the car you’re looking to purchase. Start by looking over the history report for the vehicle via sites like Carfax or AutoCheck which provide information on the vehicle is accessible using its . If you’re buying a car from a dealer the dealer for the car’s history for your review. It’s an excellent idea to bring the vehicle for a thorough inspection by a professional who can provide an unbiased evaluation of the vehicle and any problems it might have. If the mechanic finds mechanical problems, ask the seller to pay the cost of repairs. Options for returning the car Can’t return your car? There are still options. You can sell the car. By to someone else it could be possible to escape having a car you don’t want. You might be unable to recover the full amount you paid to the dealer because a car depreciates when it’s taken off the lot. The buyer is responsible to pay the difference between the dealership cost and the amount that buyers pay to purchase the car. Ask for voluntary repossession. If you are unable to afford the monthly payment then you can call the lender and request a voluntary repossession. While this will reduce your monthly payments however, you must consider this decision. A lender may still notify the credit bureaus. Possessions can affect your credit score for up to seven years. This makes it more expensive to get a new auto loan. Refinance your auto loan. If your monthly installments are excessive, you can by extending your time frame or getting an interest rate that is lower. Although this is a step that will , the effects are only temporary. In reality, after only some months of payments, your credit score should improve or even increase. The main point is that before you purchase a car take some time to research the price of the cars you like and reading the dealership’s return policy and reviews of the car. Failing to research could leave you with the car you bought. In the majority of cases, you can’t return the car you just bought — most dealerships won’t allow the return of a vehicle. If you’re not able to return a car however, there are other options to get rid of it. It is possible to sell it or make a lemon law claim under certain conditions. Alternatively, if you have buyer’s remorse due to excessive payments, but you want to keep the car you can refinance the auto loan to reduce your monthly costs.


Allison Martin’s work began more than 10 years ago when she was an online content strategist and she’s since been published in various top financial media such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. The article was edited by 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 take control of their finances through providing clear, well-researched information that break down complex topics into digestible chunks.

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