State Law Guide · Updated January 2026
Many F&I products allow cancellation for a pro-rata refund, but the contract, product type, timing, claims, and state law all matter.
Arizona Extended Warranty Cancellation Guide
Under Arizona Service Contract Act, Arizona gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face License revocation and civil penalties.
Quick Answer
Cancellation rights in Arizona depend on the product and contract. Upload yours to see which add-ons appear cancellable. Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $5,000.
Purchased F&I products in Arizona?
Check your rights under Arizona law
Key Arizona Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Pro-Rata Refund | Required | Must receive pro-rata refund less claims paid and admin fee |
| Cancellation Fee Cap | Lesser of $75 or 10% (ARS 20-1095.06) | Admin fee cannot exceed lesser of $75 or 10% of contract price |
| Required Disclosures | Mandatory (ARS 20-1095.06) | Contract must disclose all cancellation terms and conditions |
| Insurance Backing | Required | Provider must be backed by insurance or maintain reserves |
| Cancellation Terms | Must be in contract | Contract must state all restrictions governing cancellation |
| No Bundling Required | Prohibited | Cannot require warranty purchase as condition of sale |
Pro-Rata Refund
RequiredCancellation Fee Cap
Lesser of $75 or 10% (ARS 20-1095.06)Required Disclosures
Mandatory (ARS 20-1095.06)Insurance Backing
RequiredCancellation Terms
Must be in contractNo Bundling Required
ProhibitedWhat Arizona Law Requires
Your Cancellation Rights
Under Arizona Service Contract Act, some F&I products sold in Arizona may be cancellable or refundable, subject to their contract terms. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Timeline
Once you submit your request, the dealer or administrator has 45 days to respond. Failure to comply may result in License revocation and civil penalties.
Your contract may include cancellation rights that are easy to overlook. We identify the products, check the applicable terms and rules, and estimate what may be refundable.
A formal demand letter citing your state's exact statutes is harder to ignore than a generic email.
How It Works
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See What You May Be Owed Under Arizona Law
Our tool checks Arizona Service Contract Act and state-specific provisions against your paperwork for free — then generates a formal f&i product cancellation letter if you want one.
Legal Demand Letter
Cites state statutes & deadlines
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State-Specific Citations
Maximum refund amounts
What you'll see before you decide
A document-specific answer, not a generic promise:
- The amount at issue, itemized
- The rules or contract terms that appear applicable
- What looks strong, weak, or needs more evidence
Free analysis first. The optional letter comes after you see the result.
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Check each charge and see an itemized estimate before deciding whether to buy a letter.
Frequently Asked Questions
Can I cancel my extended warranty in Arizona?
Yes. Under ARS § 20-1095.06, your service contract must include cancellation terms. Arizona law requires at minimum a pro-rata refund after deducting for benefits paid and an admin fee capped at the lesser of $75 or 10% of the contract price.
Does Arizona have a free look period?
Arizona does not mandate a specific free look period by statute. However, many contracts include one, and the federal FTC CARS Rule provides baseline protections. Check your specific contract terms.
What disclosures are required in Arizona?
Under ARS § 20-1095.06, service contracts must disclose the terms governing cancellation (including the fee cap of lesser of $75 or 10%), preexisting condition coverage, and any acts that void coverage. All contract terms must be clear and conspicuous.
Where do I file a complaint against an Arizona dealer?
File complaints with the Arizona Attorney General Consumer Protection Division or the Arizona Department of Insurance. You can also file with the Arizona Department of Transportation Motor Vehicle Division.
Arizona Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
See how Arizona's laws compare to other states:
See What You May Be Owed in Arizona
Check your contract against Arizona cancellation rules and see which products appear refundable.
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Optional letter only if you act · Arizona Service Contract Act