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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 goal is to help you make smarter financial decisions by offering you interactive tools and financial calculators, publishing original and objective content, by enabling users to conduct research and compare information for free to help you make informed financial decisions. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this website are provided by companies that compensate us. This compensation could affect how and where products appear on this site, including, for example, the order in which they appear in the listing categories in the event that they are not permitted by law for our mortgage, home equity, and other home loan products. But this compensation does have no impact on the information we publish, or the reviews that appear on this website. We do not cover the vast array of companies or financial deals that might be accessible to you. Westend61/Getty Images

6 min read Published January 31, 2023

Written by Allison Martin Written by Allison Martin’s career began more than 10 years prior to that as a digital content strategist. She’s been featured in a variety of top financial publications, 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 since late 2021. They are dedicated to helping readers gain the confidence to control their finances through providing concise, well-researched and well-written information that breaks down complex subjects into digestible pieces. The Bankrate promise

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We make sure that everything we publish ensures that everything we publish is accurate, objective and reliable. Our loans journalists and editors are focused on the areas that consumers are concerned about most — the various types of loans available and the most competitive rates, the top lenders, the best ways to repay debt, and much more. So you can feel confident when making a decision about your investment. Integrity in editing

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There are money-related questions. Bankrate has the answers. Our experts have been helping you master your finances for more than four years. We strive to continuously provide our readers with the professional advice and tools required to be successful throughout their financial journey. Bankrate adheres to a strict code of conduct , so you can trust that our information is trustworthy and accurate. Our award-winning editors and journalists produce honest and reliable content that will help you make the right financial decisions. Our content produced by our editorial team is objective, factual and is not influenced from our advertising. We’re open regarding how we’re able to bring quality information, competitive rates and useful tools for our customers by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products or services, or by you clicking on certain hyperlinks on our website. Therefore, this compensation may influence the manner, place and in what order items are listed, except where prohibited by law for our mortgage or home equity products, as well as other home lending products. Other factors, such as our own proprietary website rules and whether or not a product is offered in your area or at your personal credit score can also impact how and when products are featured on this site. We strive to provide the most diverse selection of products, Bankrate does not include details about every credit or financial product or service. If you’ve bought 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 required to take it back and offer you a reimbursement or exchange once you’ve signed the contract. There are exceptions to this policy. Some dealerships may permit you to return the vehicle in certain circumstances. If the car has major mechanical issues, the dealership may be obliged by law to allow the return. Still, it’s better not to have to return your vehicle in the first place. The reasons to return your vehicle Besides buyer’s remorse, possible reasons to sell your car could be mechanical or financial issues. Dealers might offer to help customers who are not able to make the payments. When you encounter mechanical problems and/or mechanical issues, the ability to return the vehicle to the dealer depends on how and the terms as well as conditions for the return policy. If you’ve been ripped off, and 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, bring evidence to prove that you were wronged. For instance, if you believe the dealer overcharged show proof of the vehicle’s fair market value from a reliable authoritative source (like Edmunds or Kelley Blue Book) to prove your case. Present your case to the manager in a calm manner. Be aware that, since you’ve signed the contract, your options are limited in the event that the manager decides not to respect your request. You may also: Contact the office of your state attorney general and discuss options. You can file a complaint with the Better Business Bureau. Employ an attorney to bring a lawsuit against the dealership. Review a negative experience on the website of the dealership. File a complaint with the state’s consumer protection agency as well as the Federal Trade Commission. Tips for banks

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

Your car payments are too high you’re planning to return your vehicle because your monthly car payment is too high, you’ll have a greater difficulty in convincing the dealer to let you return the car. The general manager of the dealership might claim that you should have figured out whether you are able to afford the monthly payments before purchasing the vehicle. It’s up to the dealer whether they will allow you to bring back the car and trade it in for a cheaper model. Contact the person who sold you the car first. If that doesn’t work get in touch with the sales manager, or the dealership’s general manager. If you’ve exhausted your options, look into other methods to . your auto loan with a lower interest rate or a more extended term could lower the monthly cost. Tips from Bankrate

Use an to see 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 doesn’t run properly, first gather evidence of the mechanical issues you’ve experienced. It is possible to require multiple visits to the service department of your dealer. Ensure your complaints are noted in full on all repair requests. If the issue remains unsolved and you’re not sure if the car is a lemon — an unfixable vehicle. Because laws differ from state to state, you’ll have to research to see whether you can claim a valid lemon law claim. In the majority of states, lemon laws are applicable to new cars that have an immediate defect that affects the ability of you to drive it. Other lemon law provisions that vary from state to states include the amount of time that you have to wait after buying the vehicle, its mileage and the amount of times the dealership attempted to fix the car. You can research the laws in your state on , which outlines each state’s required actions and timeline to return a vehicle under lemon laws. Upon a successful claim you’ll be able to get a refund or a comparable exchange. Seven states have lemon laws applicable to used cars: Connecticut, California, Massachusetts, Minnesota, New Jersey, New Mexico and New York. There are limitations, and these 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 assist in your case. Be sure to keep the track of your legal costs during the course of your case.

You’ve changed your mind Dealers do not generally consider buyer’s regret to be convincing. Only a handful of dealers have a return policy. Once you sign the contract of sale and you’re responsible for the payment of the note in accordance with the terms you’ve agreed to. While the FTC has an «cooling-off rule» that states which gives you the right to cancel within three days a purchase that you make at office, home, or temporary place of business — a purchase of a car is one of its exceptions. If a dealer sells you a vehicle at a temporary location, the rule still applies if they are in a permanent place. Some states also provide an «right to cancel» period that lets you return the vehicle within a specified time without incurring any penalties or the damage to your credit report. But, the car must be in the same condition that it was in when you purchased it. Other limitations often apply. Bankrate tip

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

The dealer you are dealing with has a return policy A few dealerships have return policies. For example, has 30 days of return time. If you aren’t happy with the car, you can exchange it for one you would like or request the money back. Additionally, certain dealerships offer exchange plans where you have a limited period of time to exchange your vehicle. Remember that other stipulations could prevent you from being able to turn the car into. If you can sell it, 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 ask for a dealership’s return policy in writing. So, you’ll know the conditions and terms of the policy and can navigate any attempt to refuse your claim.

How to avoid having to return the car if you wish to avoid the hassle of returning a vehicle it is important to prepare to buy a car. This process . Check out reviews of the model and make you’re considering on sites like . It’s also a good idea to conduct a price analysis by using Kelley Blue Book or Carfax and then create an estimated budget, and drive the vehicle. It’s equally crucial to research the dealership in advance by reviewing online reviews. Make use of 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 history and the state of repair of the particular car you’re considering purchasing. Start by looking over history reports for the vehicle through websites like Carfax or AutoCheck and the information about the vehicle can be accessed through its . If you’re buying a car from a dealer, you should ask the dealership to provide the history of the vehicle for you to 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 issues it may have. If the mechanic discovers mechanical issues, you can ask the seller to foot the repair costs. Other options to return your car Can’t return your car? There are still options. You can sell the car. If you sell it to someone else it could be possible to escape having a car you don’t like. It’s possible that you won’t be able to recover the full amount you paid to the dealer, since a car’s value decreases when it’s taken away from the dealership. You’ll be responsible for an amount that is different between dealer price and the price buyers pay to purchase the car. You can request a voluntary repossession. If you can’t afford the monthly payments then you can call the lender and ask for an uninvolved repossession. Although this would eliminate your monthly payments however, you must think twice before taking this step. A lender may still notify the credit bureaus. Repossession negatively impacts the credit rating for as long as seven years, making it more expensive to get a new auto loan. Consider refinancing your car loan. If your monthly payments are too high, you could do so by extending your term or securing an interest rate that is lower. When you do this, however have an effect, it is only temporary. In reality, after only some months of payments your credit score is likely to improve or even increase. The main point is that before you buy a car, spend some time researching the price of the cars you like and reading the dealership’s return policy and customer reviews. Failing to research could leave you stuck with a car. Most of the time it’s impossible to return a car you just bought — most dealerships won’t allow the return of a vehicle. If you’re not able to return a vehicle you’ve purchased, there are other methods to dispose of the vehicle. You can either sell it or file a lemon law claim in certain conditions. In addition, if you suffer from buyer’s remorse due to high payments but want to keep your car, you can refinance the auto loan to lower the payments.

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Written by Allison Martin’s work started over 10 years ago when she was a digital content strategist and since then she’s been published in several leading financial outlets such as 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 since the end of 2021. They are passionate about helping readers gain confidence to take control of their finances through providing concise, well-researched and well-researched content that break down complex subjects into bite-sized pieces.

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