▶️Auto Financing 10 Day Rule, Don't Get Stuck In a UNHAPPY AUTO LOAN!!! HOW TO RETURN A USED CAR i financed a car and don’t want it

by autisticchiaNGMAI



Auto Finance NIGHTMARE? Is the car dealership trying to change terms on your vehicle purchase after you took delivery? Please watch this video first. I will reply to all comments.

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Dealer’s Right to Demand Return
The standard California car contract only allows the dealer 10 days to find financing. If the dealer cannot honor your agreement, they must notify you that they are cancelling the contract. You must return the vehicle to the dealer. The only thing the dealer can do is take the car back, refund you 100% of your money, and return your trade-in vehicle, if you had one. The dealer cannot charge you for mileage. Sometimes a dealer will try to blame you, telling you that your bad credit is to blame, or that you must sign a new contract, or pay more money down, or pay a higher payment. These are all lies. Worse, dealers will threaten to keep some or all of your down payment, or to put a repossession on your credit. This is against the law.

0-10 Days
Dealers regularly sell vehicles without first getting consumers approved for a loan. This is called a “spot delivery.” In order to protect themselves, dealers insert fine print on the back of the contract that allows them to demand return of the vehicle if they cannot find financing. However, this right is limited, and is regularly abused. If the dealer does not tell you to return the vehicle within 10 days, the deal is final. After 10 days, the dealer cannot demand that you return the vehicle, unless you provided incorrect information on your credit application.

Over 10 Days
After 10 days, the deal is final. If a dealer tells you they could not find financing, it is the dealer’s problem, not yours. If the dealer cannot assign your loan to a bank, the dealer must be your bank. You must send your monthly payments to the dealer, just as if they were a bank. Many dealers will threaten repossession if you refuse to return the vehicle when they ask. If you pay the dealer as agreed, and they repossess your vehicle, the dealer is liable for the theft of your property (called “conversion”), and you may be entitled to damages, including punitive damages.

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▶️Auto Financing 10 Day Rule, Don't Get Stuck In a UNHAPPY AUTO LOAN!!! HOW TO RETURN A USED CAR

▶️Auto Financing 10 Day Rule, Don't Get Stuck In a UNHAPPY AUTO LOAN!!! HOW TO RETURN A USED CAR

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▶️Auto Financing 10 Day Rule, Don't Get Stuck In a UNHAPPY AUTO LOAN!!! HOW TO RETURN A USED CAR
i financed a car and don’t want it
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43 comments

Acordionista509 22/11/2021 - 4:45 Sáng

If they do that and you return the vehicle do they have to give you back your down payment money?

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Andrew Mcconnell 22/11/2021 - 4:45 Sáng

Does this apply for michigan

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Luis Perez 22/11/2021 - 4:45 Sáng

I got a lease Tacoma but dealer robbed me for 15k mark up is there anyway I can return this? I sigh a no cool down payment

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mmm nnn 22/11/2021 - 4:45 Sáng

I live in the state of California my name is Glenn Hello I purchased a used car from a dealership I've been trying to return the vehicle to get my downpayment back as I found it having the airbag light on and obvious defect of me driving over a period of 3 days of deeming it unsafe as it had a device Jimmy rigged to my battery with thin speaker wire that nearly burned the car down as it was ran ascent in my doorway got pinched and started sparking as I was driving charing the wiring which was aftermarket pinned into my cars factory ignition switch

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Six Afrikan 22/11/2021 - 4:45 Sáng

I’m in Portland Oregon and just received an email from the dealer to return the car due to them not finding anyone to finance me. It’s been 2 months since I’ve have the car already.

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Cory Best 22/11/2021 - 4:45 Sáng

Auto purchased brand new traded in a vehicle with a loan balance of 14000.00. They paid it off and could not find me financing for new vehicle 1 month later what is my legal right.

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Frances Delgado 22/11/2021 - 4:45 Sáng

How do pay? Like to who if I don’t get billed

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Moises Munoz 22/11/2021 - 4:45 Sáng

Is it just used vehicles or new also?

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Jennifer Euchner 22/11/2021 - 4:45 Sáng

So I went to misubishi it's 2021 and got a outlander sport suv I already have a small car I have my 3 kids my husband me and my mom with dementia there is no room in this car it's the 4th day during the first 24hours I beged them to take this suv back that I'm a first time car buyer they said no u own it it's yours think of it as a stepping stone I can't afford 27k car I'm pregnant and was not thinking it's was 8pm closing time by the time I got out of the car place the first day I was so tired what do I do?

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Willie Gonzalez 22/11/2021 - 4:45 Sáng

So I purchased a used car in PA today, I regret purchasing it can I still return it ? It’s not even 24 hours yet

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B Z 22/11/2021 - 4:45 Sáng

Will they gave the down payment back

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Rudy Stang7 22/11/2021 - 4:45 Sáng

Hi
I bought a a Honda Civic about three weeks ago,now a dealer called me back ,they want me to sign a new contract is this legal?

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Serpent Army 22/11/2021 - 4:45 Sáng

I purchased a vehicle and I have one day left on the ten day rule does that mean I have to return the vehicle if they can’t find a bank for a loan for me or can I keep the contract previously agreed upon and how do I fight it?

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Isaac Davila 22/11/2021 - 4:45 Sáng

Leased a new lexus is350 f sport, it's been 10 days I live in California, the dealer hasn't said anything about returning the vehicle, just stated that their waiting for the funding to fund it. At this point can I stay with the vehicle and refuse to take it back if they end up asking for it?

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Quise 22/11/2021 - 4:45 Sáng

They sent me a notice of rescind but are refusing to take the car back and give me my money. What they’re telling me is “ that by California law we have to send it doesn’t mean anything” looked it up and see no law like that

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Yaahboi52 22/11/2021 - 4:45 Sáng

Haha oh boy. I just signed off on a car like two days ago & I believe this happened to me. Actually I know this is happening to me. Apparently they want more paystubs from me & asked me to send them in once I get them. I can go pick up the car and everything so I’m assuming I’ll get a call from the dealership if I send in my paystub & the bank doesn’t like it. They’ll probably want to work out another deal. I told them it’s going to be awhile since I just received my last paycheck. Reason being is bc I just got a new job and I only have one paystub. So they want another one & I’m thinking if the bank doesn’t like it they’ll reject me & by then I’ll be past 10 days and I’ll most likely get a call from the dealership wanting me to come in to negotiate another deal.

I wanna be prepared. What do you think I should do if that does happen? I also put a lot of $ down for it as well. I live in Utah by the way. If you know anything about their rules/regulations please help me.

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gabriel morales 22/11/2021 - 4:45 Sáng

Do you get your down payment back also what happens if you tinted the windows

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Douglas Henry 22/11/2021 - 4:45 Sáng

This is why I plan to pay cash. If this is impossible for you, get a pre-approval from your bank or credit union before you even go to the dealer. You'll probably get better terms than the dealership will offer you, and you'll have more leverage in negotiating the price anyway. Financing at a dealership should be your last resort. If the bank won't approve your loan, it's because you can't afford it to begin with.

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No3ll3 Mayb3rry 22/11/2021 - 4:45 Sáng

Do they have to refund your down payment if you say no?

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monica ortega 22/11/2021 - 4:45 Sáng

Is happening to my son what should we do?

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Rosaisela Torres 22/11/2021 - 4:45 Sáng

I’m stuck in that same issue now. I financed my vehicle on the 8th of April and as well traded in my car, then they called me today that they couldn’t find a bank that can finance me the loan. I spoke to the dealership about the 10 days that stated on the contract and they said that “it doesn’t matter since there’s no bank to finance you, you need to bring the vehicle back.”What should I do?

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enrique gomez 22/11/2021 - 4:45 Sáng

We just bought a car two weeks ago ,but the financing lady asked to sign electronically she said that everything that she explained to us will be in the paper but the costco discount price was not there as we agreed with the salesman the msrp price was 30 k with the finance and fees went up to 37 500 but toyota had a rebate for 1500 which they discount it after everything was done so at end total was 36k my wife was so excited and exhausted that we didn't check that paper that the lady put in the envelope ,which we previously signed over the electronically device she never show us the final contract on paper till I check it next day and I saw that there was no costco discount I wonder if this is legal!? Feel like we loose about 2k I don't know if we can do something about it or we are done? Anybody please give us some advice thank you!

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J Franco 22/11/2021 - 4:45 Sáng

Hey so I had a questioned? My mother just recently purchased a vehicle 2021 Honda Accord her score was 701 and her gross pay is almost 3k and what she takes to the bank is 2600 every month since she works for the county she get monthly pay.. well the car over 32k, the dealer let her take the car out and drive it home and she signed everything she needed to sign and now they’re calling her 2 weeks later asking her if she has a Co Buyers or a consigner now… cause her income not enough but she has the car already for 3 weeks what should she do??? Cause they’re saying the bank don’t wanna fund.. maybe u can answer the question?? Idk why they make her give 2k down 4 hours of waisted time to go in and signed papers and then hand her the keys..

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Felix Balderas 22/11/2021 - 4:45 Sáng

I got a truck exactly a month ago. I’ve signed two contracts already. When the last one was signed and submitted to the bank the bank called me to verify everything was correct and then fund the deal finally. After a close review I found some mistakes and told them about them as there were errors in my initial credit application wrong name, wrong employer name etc. AND 1 of the 3 references required was written down without my permission by dealer and it happened to be one of their employees. Obviously bank denied my loan after hearing this and did not fund anything. I just wanna have the deal unwind, return truck and get my deposit back. Dealer is pissed and said they can sue me (for what I don’t know)and even lying that the deal has been funded. I just verified with the bank and it has not been funded and actually got cancelled. What are my options?

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Analia Garcia 22/11/2021 - 4:45 Sáng

Hello, I bought a car 12 days ago and now the dealer called me and want me to take the car back, because they bank that was going to finance didn’t go thru. What do I do? Why did they give us the truck in the first place? Can I have problems with the law if I don’t return it? What’s gonna HAPPEND with the car that I trade? Please help!!!!! Thank you

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Fernando Castaneda 22/11/2021 - 4:45 Sáng

This recently happen to me today, it’s been 21 days and I got a call saying we need to return it since it wasn’t approved.
We traded in a car and are saying now the low equity is hurting for the Bank to approve. They want to get us into a newer car and if not possible we have to return it.

I’m in a Cali. So technically we don’t have to return it right?

This is from norm Reeves a huge dealership chain.

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Lisa Kabua 22/11/2021 - 4:45 Sáng

I bought a car 03.1.2021 & my first payment was supposed to be 04.15.21 . I called the dealer (3.31.21) to let them know I had not received anything in the mail in regards to registration, plates, as well as who to pay. That is when they notified me that the “paperwork” I signed was never sent over to the financing company and I need to go back in to sign a new contract. A close friend advised against it as when she had gone to them for the same reason, it was a completely different contract with higher numbers. I live in HI state. Am I still able to keep the current contract or do I have to return the car? I haven’t received any letter in the mail either.

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Adratic 22/11/2021 - 4:45 Sáng

I literally received a letter today! So do you recommend that I simply return the vehicle and get my money back?

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JerryLee3333 22/11/2021 - 4:45 Sáng

Bought my car March 12th. 10 days later finance guy wants me to come in and sign some papers because he claims that he forgot to put a $195.00 fee for the bank. I was quite surprised that 10 days after doing all the paperwork and driving the car that the loan had not gone through yet. Also the finance guy was the real sales person. He used deceit to get me to sign for a bunch of protection plans. I was in a hurry. Wanted to get the car and I'm sure they could tell that and were ready to take advantage of my eagerness to buy the car right away.

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Maite Armenta 22/11/2021 - 4:45 Sáng

Help I just got a car in Texas about 12 days ago 2018 Honda Accord everything was approved I sign papers but now the bank that financed it is asking for a drivers license they said I must have one In order to keep the car the dealership never told me I needed a drivers license to buy a car nobody told me Can I just tell them I don’t want the car anymore ( they as sellers should have let me know I needed a drivers license I do plan to get one but I just feel like the dealership didn’t give me the correct info n now am stuck for example my brother n sister in law just got a car n they didn’t need a drivers license to get the car what do I do pls help

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building muscle 22/11/2021 - 4:45 Sáng

Can they pick up the car after 10 days if I refuse to return the car ?

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Elizabeth Landazuri 22/11/2021 - 4:45 Sáng

Hi..i just got a nissan 2020 las monday is been 3 days and i received a letter saying that they rejected my loan..what should I do?

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Victor Jauregui 22/11/2021 - 4:45 Sáng

Hey man, this is just happening to me, dealer hasn’t contacted me it’s been 18 days

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May Day 22/11/2021 - 4:45 Sáng

Hi my husband just got a car (today is the 10th day) they just called to tell us the interest is too low and we need to go in to sign a new contract with higher interest. However they will modify the cost of the car so that we end up paying the same thing which makes no sense they said or else he needs to return the car what can we do in this case? We live in California as well

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jorge rojas 22/11/2021 - 4:45 Sáng

They had not installed the alarm so I contacted them and after hounding them with several calls they cancelled the charge or should I say they said they would write a check to bank that gave me loan

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jorge rojas 22/11/2021 - 4:45 Sáng

So I signed a paper about a KARR alarm for $599.00! I'm within the ten days, what should I do? do I call or go back to dealer?

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Christine Garcia 22/11/2021 - 4:45 Sáng

Hi again on my first comment i neglected to add carmax was sticking with all the terms cause they did say it was there mistake.

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Christine Garcia 22/11/2021 - 4:45 Sáng

Hi we bought a van from car max and it was a month later after i had called 2 weeks to find out were to send my payment they didnt know what i was calling about and said they would pass my message on there was a little phone tag finally we got a certified letter giving us 2 option cause the loan wasnt picked up but they had approved the loan already. Can we get our down pament back and just give the van back legally drop it off .

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Charlie Moua 22/11/2021 - 4:45 Sáng

Did a down payment on a car but transmission died on me on the highway and dealership offer to fix it for me but now its been 2 weeks and I've called the dealership on the day it was supposed to be fixed and ready to pick up but now dealership is avoiding my calls like their number doesn't work no more, what should I do?

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Brandon Asuncion 22/11/2021 - 4:45 Sáng

Does the cancellation have to be in a form of a letter? I've got calls from the dealer about signing a new contract, and another call to talk about paperwork. The conversation or voicemail never insisted me bringing the vehicle back.

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Corvorggio Powell 22/11/2021 - 4:45 Sáng

It’s been 1 and 9 months. The dealership called this may stating the bank lost the paperwork. Now they’re trying to get me to pay my whole year upfront to them. I came there with pre-approval. I kept talking with my bank and no one did anything now I’m lost.

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Bryan Ferguson 22/11/2021 - 4:45 Sáng

This just happened to me. I received a letter in the mail about my loan being rejected and I've had the car for almost 1 month. I went in with my own financing but they said they could beat the APR (and did… or so I thought). Now I'm starting to consider giving the car back, but I need at least the trade-in amount I was offered or my old car back (which I'm sure they no longer have) since I already paid it off.

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Ricardo Reyna 22/11/2021 - 4:45 Sáng

Ok what if I got a car but it’s not a good fit for me I don’t like the car and it’s not the car I wanted

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