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Are you able to return a car you purchased recently? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering you interactive financial calculators and tools, publishing original and objective content. We also allow you to conduct research and compare information for free — so that you can make informed 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 Make Money The deals that are displayed on this website are provided by companies that pay us. This compensation can affect the way and where products appear on this site, including for instance, the order in which they may appear within the listing categories in the event that they are not permitted by law. Our loans, mortgages,, and other home loan products. This compensation, however, does affect the content we publish or the reviews that appear on this website. We do not include the entire universe of businesses or financial offerings that could be open to you. Westend61/Getty Images

6 min read Read Published January 31, 2023

Written by Allison Martin Allison Martin Written by Allison Martin’s work started over 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 Credit.com. Editor: Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to take control of their finances by providing concise, well-researched and well-written information that breaks down complicated topics into bite-sized pieces. The Bankrate promise

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There are money-related questions. Bankrate has answers. Our experts have been helping you manage your finances for more than four decades. We continually strive to provide our readers with the professional guidance and the tools necessary 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 precise. Our award-winning editors, reporters and editors create honest and accurate content that will help you make the right financial choices. The content created by our editorial team is accurate, truthful, and not influenced through our sponsors. We’re open regarding how we’re capable of bringing high-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 the promotion of sponsored goods and, services, or when you click on specific links on our site. This compensation could impact how, where and in what order items are listed, except where prohibited by law for our mortgage home equity, mortgage and other home loan products. Other elements, such as our own rules for our website and whether the product is available within the area you reside in or is within your personal credit score may also influence how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include specific information on every financial or credit product or service. If you’ve purchased a new or used car and have second thoughts about it, you’re not likely to return the vehicle. The seller who sold you the vehicle is generally not legally obligated to return the car and give you a refund or exchange once you’ve signed the sales contract. There are a few exceptions to this law. Some dealerships may permit you to return the vehicle under specific circumstances. If the car has major mechanical problems, the dealership may be obliged by law to allow the return. It’s still better not to have to return your car in the first instance. The reasons to return your vehicle Besides buyer’s remorse, possible motives to return your vehicle could be mechanical or financial issues. Dealers might offer to help you if you cannot make the payments. If you have mechanical issues the possibility of returning the vehicle to the dealer is contingent on how and the terms and terms of car return policy. You got ripped off If you believe that this is the case is the case, it’s worth a visit with the dealer manager. If you do meet with the manager, be sure to bring documents to support your claim that you have been wronged. For instance, if you believe the dealer overcharged, present evidence of the vehicle’s fair market value from a reputable authority (like Edmunds or Kelley Blue Book) to prove your claim. Make your argument clear to the manager with a calm and professional manner. Be aware that, since you’ve signed the contract Your options aren’t as wide should the manager refuse to comply with your request. It is also possible to contact the office of your state attorney general and discuss options. 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. Make a complaint to your state’s consumer protection agency as well as the Federal Trade Commission. Bankrate tip

To determine if you’ve paid an unfair amount You can check the price of vehicles with the same make, same model and similar mileage on or .

Your car’s monthly payments are excessive If you’re looking to sell your car because your monthly car payment is too high, you’ll have more difficult time convincing the dealer to let you return the vehicle. The general manager of the dealership may claim that you should have figured out whether you can manage the monthly payments prior to buying the car. It’s up to the dealership to decide if they want to let you return the vehicle and trade it in for something more affordable. Talk to the salesperson who sold you the car first. If that doesn’t work, call the sales manager or the general manager of the dealership. If you’ve exhausted your possibilities, you can look at different options for . the auto loan with lower interest rates or a longer term can lower the monthly cost. Bankrate tip

Use this tool to find out how much you can save and to compare different 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 documents detailing the mechanical issues you’ve encountered. You may need multiple trips to the service department of your dealer. Make sure your complaints are recorded in detail on all repair orders. If the issue isn’t resolved and you’re not sure if your vehicle is a lemon, the vehicle is beyond repair. Since laws vary between states and state to state, you’ll need to do some research to determine whether you’re able to make a legitimate lemon law claim. In many states, laws pertaining to lemons apply to new vehicles with an issue that seriously affects the ability of you to drive it. Other requirements for lemon laws that differ from state to state include the length 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 car. It is possible to research the laws in your state on , which 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 obtain a reimbursement or similar exchange. There are only seven states that have lemon laws on 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 any relief for your circumstances. Bankrate tip

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

You’ve changed your mind 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 note in accordance with the terms you’ve agreed to. While the FTC offers a «cooling-off rule» which is a law which gives you 3 days in which to cancel a sale that you make at home, workplace or seller’s temporary address — a vehicle purchase is one of its exceptions. If a dealership offers you a vehicle at an uncontained location, the rule still applies to them as long as they are in a permanent place. Certain states also offer a «right to cancel» period which allows you to return the vehicle within a certain time frame without incurring any penalties or any damage to your credit score. The vehicle has to be used in the same way as when you bought it. Other limitations often are also in place. Tip for Bankrate

Avoid this situation by researching ahead of time. Follow these for you before signing off on a new vehicle.

The dealer you are dealing with has a return-policy few dealerships have return policy. For example, they have a 30-day return period. If you aren’t satisfied with the car, you can exchange it for one you like or get the money back. Some dealerships offer exchange programs in which you are given a certain period of time to return the car. Remember that other conditions could stop you from being able to turn the car in. If you can turn it in and sell it, you’ll have to pay the difference between the current value and what the vehicle is currently worth. Bankrate tip

Always ask for a dealership’s return policy in written form. So, you’ll know the terms and conditions and can navigate any attempt to deny your claim.

How can you avoid returning a car If you want to avoid the hassle of returning a car You must prepare properly for the purchase of an automobile. This is the process . Review car reviews on the make and model you are considering on websites such as . It’s also a good idea to perform price research by using Kelley Blue Book or Carfax, , create an estimated budget, and drive the vehicle. It’s also important to research dealerships prior to purchase by looking up online reviews. Use sites like BBB.com to ensure dealerships have an excellent reputation and provide top-quality customer service. Finally, you’ll also want to conduct some research on the background and condition of the specific vehicle you’re thinking of purchasing. You can begin by reviewing history reports for the vehicle on sites such as Carfax or AutoCheck, where information on the vehicle is accessible by using its . If you’re buying a car from a dealer, you should ask the dealer to provide the car’s history to review. It’s also a good idea to bring the vehicle to an expert independent evaluation of the vehicle and any problems it might have. If the mechanic discovers mechanical issues, you can ask the seller to foot the repair costs. Other options to return your car You aren’t able return your vehicle? There are still alternatives. Sell the car. Through a third party, you might be able to avoid being stuck with a car that you do not like. You may not be able to recoup the full amount you paid to the dealer because a car depreciates as soon as it’s driven off the lot. You’ll be responsible to pay any difference in the dealership price and the amount the buyer pays for the car. Request a the repossession to be voluntary. If you can’t afford the monthly payments then you can call the lender and request the repossession to be voluntary. Although this would eliminate your monthly payments, you should consider this action. A lender can still report the repossession to the credit bureaus. The repossession can negatively impact your credit score for up to seven years, making it more costly 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 an interest rate that is lower. Although this is a step that will have an effect, it is only temporary. In fact, after just several months of payments, your credit score should improve or even increase. The most important thing to remember is that prior to you purchase a vehicle make sure you do some research on the cost of cars that you like, as well as studying the dealer’s return policy and car reviews. In the absence of research, you could find you with an unsatisfactory car. Most of the time, you can’t return a car you just bought — most dealerships won’t allow the return of a vehicle. If you’re not able return a car you’ve purchased, there are other methods to get rid of it. It is possible to sell it or file a lemon law claim in certain circumstances. Alternatively, if you have buyer’s remorse due to large payments, but wish to keep your car, you could refinance your auto loan to reduce your monthly costs.

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Written by Allison Martin’s work began over 10 years ago, as an online content strategist and she’s since been featured in various top financial media, including 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 confidence to take control of their finances through providing precise, well-studied information that break down complex topics into manageable bites.

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