State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Arizona F&I Product Cancellation Rights
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
In Arizona, you can cancel dealer add-on products at any time. 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 |
| 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
RequiredRequired 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, Arizona consumers have the right to cancel F&I products purchased from dealers. 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.
The law is clear — these products are cancellable and refundable. But dealers count on you not knowing that. Upload your contract to see exactly what you're owed.
How It Works
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State-Specific Citations
Maximum refund amounts
"Phoenix heat doesn't justify a $2,500 paint protection plan. Cancelled it and got every dollar back within the free look window."
— Phoenix, AZ
$29 to recover up to $1,000. That's a 34x return.
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 reasonable administrative expenses.
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, 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:
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Average Arizona recovery: $1,000 · Based on Arizona Service Contract Act