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.
Colorado Extended Warranty Cancellation Guide
Under Colorado Service Contracts Act, Colorado gives you the right to cancel and receive refunds on F&I products. You have a 20 days free look period for full refunds. Dealers who fail to comply face 10% per month penalty on late refunds.
Quick Answer
Cancellation rights in Colorado depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 20 days, you receive a full refund (minus up to 10% of gross provider fee fee). Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $7,500.
Purchased F&I products in Colorado?
Check your rights under Colorado law
Key Colorado Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 20 days if mailed (10 days if delivered at sale) | Full refund if no claims filed and contract returned within the window |
| Cancellation Fee | Capped at 10% of gross provider fee | Provider cannot withhold more than the statutory cap after the free look |
| Refund Deadline | 45 days | Refund must be issued within 45 days of cancellation |
| Late Refund Penalty | 10% per month | Provider owes a 10% per month penalty on refunds paid late |
| Pro-Rata Refund | Required after free look | Entitled to unused portion after free look |
Free Look Period
20 days if mailed (10 days if delivered at sale)Cancellation Fee
Capped at 10% of gross provider feeRefund Deadline
45 daysLate Refund Penalty
10% per monthPro-Rata Refund
Required after free lookWhat Colorado Law Requires
Your Cancellation Rights
Under Colorado Service Contracts Act, some F&I products sold in Colorado may be cancellable or refundable, subject to their contract terms. During the free look period (20 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 10% per month penalty on late refunds.
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
Free check · No signup · No credit card
Upload ContractFree
Upload your vehicle purchase agreement or F&I contract
AI Identifies ProductsFree
We find every cancellable product and calculate your refund
Get Cancellation LetterOptional
Download a letter citing exact state statutes
Private — we never contact the dealer or lender. Nothing to sign up for.
See What You May Be Owed Under Colorado Law
Our tool checks Colorado Service Contracts 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
Ready in Minutes
Download as PDF or Word
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.
Free check · No signup · No card
Check each charge and see an itemized estimate before deciding whether to buy a letter.
Frequently Asked Questions
What protections does Colorado provide for F&I cancellations?
Colorado's Service Contracts Act (C.R.S. § 10-4-1603) gives you a free-look period of 20 days if the contract was mailed to you, or 10 days if it was delivered at the point of sale, for a full refund if no claims were filed. Dealers must honor cancellation terms and provide pro-rata refunds after that window.
What happens if a Colorado dealer violates the cancellation rules?
A provider that fails to pay your refund within 45 days owes a 10% per month penalty on the late refund under C.R.S. § 10-4-1603, on top of the refund itself.
How long do I have to cancel in Colorado?
Colorado's Service Contracts Act gives you 20 days from mailing (or 10 days if delivered at the point of sale) for a full refund. After the free look period, you can still cancel and receive a pro-rata refund for the unused portion, minus the capped fee.
Where do I file a complaint in Colorado?
File complaints with the Colorado Attorney General Consumer Protection Division or the Colorado Auto Industry Division. Both agencies investigate dealer misconduct.
Colorado 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 Colorado's laws compare to other states:
See What You May Be Owed in Colorado
Check your contract against Colorado cancellation rules and see which products appear refundable.
Free check · Instant results · No signup · No card
Optional letter only if you act · Colorado Service Contracts Act