State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Arkansas F&I Product Cancellation Rights
Under Arkansas Motor Vehicle Service Contract Act, Arkansas gives you the right to cancel and receive refunds on F&I products. You have a 30 days free look period for full refunds. Dealers who fail to comply face Violation of Deceptive Trade Practices Act — actual damages plus attorney fees.
Quick Answer
In Arkansas, you can cancel dealer add-on products at any time. During the first 30 days, you receive a full refund (minus up to $50 fee). Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $5,000.
Purchased F&I products in Arkansas?
Check your rights under Arkansas law
Key Arkansas Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 30 days | Full refund within 30 days if no claims filed |
| Required Disclosures | Mandatory (§ 4-90-506) | Contract must disclose termination and refund provisions |
| Pro-Rata Refund | Required after free look | Entitled to unused portion after free look period |
| No Forced Purchase | Prohibited | Cannot require warranty purchase to buy or finance vehicle |
| Insurance Backing | Required | Provider must maintain reimbursement insurance policy |
Free Look Period
30 daysRequired Disclosures
Mandatory (§ 4-90-506)Pro-Rata Refund
Required after free lookNo Forced Purchase
ProhibitedInsurance Backing
RequiredWhat Arkansas Law Requires
Your Cancellation Rights
Under Arkansas Motor Vehicle Service Contract Act, Arkansas consumers have the right to cancel F&I products purchased from dealers. During the free look period (30 days), you receive a full refund. 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 Violation of Deceptive Trade Practices Act — actual damages plus attorney fees.
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.
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State-Specific Citations
Maximum refund amounts
"Key replacement plan the finance office pushed on me. One call to cancel and $375 came right off my balance."
— North Little Rock, AR
$29 to recover up to $900. That's a 31x return.
Frequently Asked Questions
Can I cancel my extended warranty in Arkansas?
Yes. Under the Arkansas Motor Vehicle Service Contract Act (§ 4-90-501 et seq.), you can cancel within the first 30 days for a full refund if no claims have been filed. After 30 days, you are entitled to a pro-rata refund.
What disclosures must Arkansas dealers provide?
Under § 4-90-506, Arkansas requires disclosure of termination and refund provisions, transferability conditions, and a clear statement that the warranty purchase is not required to buy or finance a vehicle.
What penalties do Arkansas dealers face for violations?
Violations of the Motor Vehicle Service Contract Act are treated as violations of the Arkansas Deceptive Trade Practices Act, entitling consumers to actual damages plus attorney fees.
Where do I file a complaint in Arkansas?
File complaints with the Arkansas Attorney General Consumer Protection Division at (800) 482-8982. You can also contact the Arkansas Insurance Department for service contract complaints.
Arkansas 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 Arkansas's laws compare to other states:
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Average Arkansas recovery: $900 · Based on Arkansas Motor Vehicle Service Contract Act