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Can you 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 better financial decisions by offering you interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct research and evaluate information for free to help you make financial decisions with confidence. Bankrate has agreements with issuers such as, 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 website are provided by companies that compensate us. This compensation could affect how and when products are featured on the site, such as for instance, the order in which they may appear within the listing categories, except where prohibited by law for our loan products, such as mortgages and home equity, and other home lending products. However, this compensation will affect the information we publish, or the reviews 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 min read Read Published 31 January 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 several leading financial media 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 late 2021. They are passionate about helping readers gain the confidence to manage their finances through providing clear, well-researched information that breaks down complex topics into manageable bites. The Bankrate guarantee
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In 1976, Bankrate was founded. Bankrate has a long experience of helping customers make smart financial choices.
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We make sure that everything we publish will ensure that our content is reliable, honest and reliable. Our loans reporters and editors are focused on the points consumers care about the most -- the different kinds of loans available and the most competitive rates, the most reliable lenders, the best ways to repay debt, and many more -- so you're able to be confident about investing your money. Editorial integrity
Bankrate adheres to a strict code of conduct and rigorous policy, so you can rest assured that we'll put your needs first. Our award-winning editors and journalists create honest and accurate information to help you make the right financial decisions. The key principles We value your trust. Our mission is to provide our readers with reliable and honest information, and we have established editorial standards to ensure that happens. Our editors and reporters thoroughly verify the truthfulness of content in order to make sure the information you're reading is correct. We have a strict separation between our advertisers and our editorial team. Our editorial team does not receive direct compensation by our advertising partners. Editorial Independence Bankrate's editorial staff writes in the name of YOU the reader. Our goal is to give you the most relevant advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no directly from advertisers, and our content is thoroughly checked for accuracy to ensure its truthfulness. Therefore, whether you're reading an article or a report, you can trust that you're getting reliable and reliable information. How we earn money
If you have questions about money. Bankrate can help. Our experts have helped you understand your finances for more than four years. We are constantly striving to provide consumers with the expert advice and tools needed to be successful throughout their financial journey. Bankrate adheres to a strict code of conduct standard of conduct, so you can rest assured that our content is honest and reliable. Our award-winning editors and journalists create honest and accurate content that will help you make the right financial decisions. The content created by our editorial team is factual, objective and uninfluenced by our advertisers. We're open about how we are capable of bringing high-quality content, competitive rates, and helpful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the promotion of sponsored goods or services, or by you clicking on certain links posted on our site. So, this compensation can affect the way, location and in what order items are listed, except where prohibited by law for our mortgage home equity, mortgage and other home lending products. Other factors, like our own proprietary website rules and whether a product is offered in your region or within your personal credit score could also affect how and when products are featured on this site. We strive to provide the most diverse selection of products, Bankrate does not include information about each financial or credit item or service. If you've purchased a brand-new or used car , and are having second thoughts about it you usually won't be able to return the vehicle. The dealer who sold you the vehicle is generally not legally obligated to return the car and issue you a refund or exchange once you've signed the sales contract. There are some exceptions to this law. Some dealerships will allow you to return the vehicle in certain circumstances. If the car is experiencing major mechanical problems, the dealership could be obliged by law to allow the return. However, it's best to avoid having to return the car in the first place. The reasons to return your vehicle Besides buyer's remorse, possible reasons to return your car are mechanical or financial problems. Dealers may be willing to assist you if you cannot make payments. With mechanical issues the possibility of returning the car to the dealer is contingent on how and the terms and terms of vehicle return policy. You were ripped off If you believe that this is the case is the case, it's worth a visit with the dealer manager. When you meet with the manager, bring evidence to prove that you were not cheated. For instance, if you think the dealer overcharged you provide proof of the vehicle's fair market value from a reliable authority (like Edmunds or Kelley Blue Book) to back up your argument. Make your argument clear to the manager with a calm and professional manner. Be aware that, since you've signed the contract the options aren't unlimited 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. Make a complaint to the Better Business Bureau. Find an attorney to take action against the dealership. Review a negative experience on the website of the dealership. File a complaint with your state's consumer protection agency as well as the Federal Trade Commission. Tips for banks
To find out if you've been charged the wrong amount You can check the worth of cars that have similar make, model, and the same mileage or .
Your car payments are too high If you want to return your car because your monthly car payments are high, you'll have harder time convincing the dealer to let you return the vehicle. The dealership's general manager could argue that you ought to have decided whether you could manage the monthly payments prior to purchasing the car. It's up to the dealership whether they will allow you to return the car and trade it in for something more affordable. Talk to the person who sold you your car in the first place. If this doesn't work, call the sales manager or the dealership's general manager. If you've exhausted your possibilities, you can look at different options for . your auto loan with a lower interest rate or a more extended term could lower your monthly payment. A tip from Bankrate
Utilize an application to determine how much you can save, and then compare various 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 documentation showing the mechanical problems you've encountered. It is possible to require multiple visits to the service department of your dealer. Be sure to note your concerns with full detail on all repair requests. If the issue isn't resolved then you could conclude that the car is a lemon -- the vehicle is beyond repair. Since laws vary between states, you'll have to research to determine if you are able to claim a valid claim under the lemon law. In most states, lemon laws only apply to new vehicles with an immediate defect that affects the ability of you to drive it. Other lemon law requirements that vary from state states include the amount of time after purchasing the vehicle, the mileage of the vehicle and the number of times the dealership attempted to fix the car. You can research the laws in your state, and it details each state's requirements and the timeframe for returning a car under lemon laws. Upon a successful claim you'll be able to secure a refund or a comparable exchange. There are only seven states that have lemon laws applicable to 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 fees if you hire an attorney to assist in your case. Keep track of your legal fees as you go through the course of the case.
You've changed your mind Dealers generally do not consider buyer's remorse to be convincing. Very few dealerships have a return policy. Once you sign the sales contract it is your responsibility to pay the note in accordance with the terms you've agreed to. While the FTC has a "cooling-off rule" that states where you have 3 days in which to cancel a sale that you make at workplace, home or temporary address the purchase of a vehicle is one of its exceptions. If a dealership offers you a vehicle at an in-between location, the rule applies 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 specified time without incurring any penalty or damage to your credit profile. But, the car is required to be returned in the exact condition as when you purchased it. Other restrictions may are also in place. Tip for Bankrate
Avoid this situation by conducting research prior to the time. Follow these for you before signing off on a brand new vehicle.
The dealer you are dealing with has a return-policy few dealerships have return policies. For instance, it has a 30-day return policy. If you aren't happy with the car, you can exchange it for one that you would like or request a refund. In addition, some dealerships offer exchange plans where you can only have a specific amount of time to exchange your vehicle. Be aware that other stipulations could prevent you from being able to turn the car into. If you're able to sell it, you will likely have make payments for any difference in the value currently and what the vehicle is currently worth. Bankrate tip
Always get a dealership's return policy in written form. This way, you'll be aware of the conditions and terms of the policy and will be able to navigate any attempt to deny your claim.
How can you 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 . Read car reviews about the car you are considering on websites like . It's also a good idea to conduct price research using Kelley Blue Book or Carfax and then create an estimate of your budget and then 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 make sure that the dealership has an excellent reputation and offer top customer service. In addition, you'll need to research the background and the state of repair of the specific car you're considering purchasing. Start by looking over the history report for the vehicle via sites like Carfax or AutoCheck and the information about the vehicle is accessible using its . If you're purchasing a car from a dealer, ask the dealer to provide the car's history for your review. It's recommended to take the car for a thorough inspection by a professional who can provide an unbiased evaluation of the vehicle and any issues it might have. If the mechanic finds mechanical problems, request the seller to foot the cost of repairs. Options for returning the car Can't return your car? There are still options. You can sell the car. If you sell it to someone else you could be able to get out of being stuck with a vehicle you don't like. You may not be able to recover the entire amount you paid to the dealer, since a car's value decreases as soon as it's driven off the car lot. You'll be on the hook to pay the difference between the dealership cost and the amount that buyers pay to purchase the vehicle. You can request a an informal repossession. If you can't afford the monthly payment You can contact the lender and ask for a voluntary repossession. Although this would eliminate your monthly payments however, you must consider this decision. A lender can still notify the credit bureaus. Possessions can affect the credit rating for as long as seven years. This makes it more costly to get a new auto loan. Consider refinancing your car loan. If your monthly installments are excessive, you can extend your loan period or by negotiating an interest rate that is lower. When you do this, however be beneficial, the results are temporary. In fact, after some months of payments, your credit score should be restored or improved. The bottom line Before you buy a car, spend some time researching the price of cars you like , and then reviewing the return policy of the dealership and customer reviews. Failing to research could leave you with an unsatisfactory car. In most cases you aren't able to return a car you purchased -- the majority dealerships will not allow the return of a vehicle. If you're unable to return a vehicle you've purchased, there are other methods to get rid of it. You can sell it or make an action under the lemon law in certain conditions. If you are suffering from buyer's remorse as a result of the large payments, but wish to keep the car you can refinance the auto loan to reduce the amount of payments.
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Allison Martin's work started over 10 years ago as an online content strategist and since then she's been published in several leading financial outlets which include The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. 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 control their finances through providing concise, well-researched and well-researched content that breaks down otherwise complex topics into manageable bites.
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