State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Hawaii F&I Product Cancellation Rights
Under Hawaii Service Contract Act, Hawaii 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 10% per month penalty on late refunds.
Quick Answer
In Hawaii, you can cancel dealer add-on products at any time. During the first 30 days, you receive a full refund (minus up to $0 during free look 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 Hawaii?
Check your rights under Hawaii law
Key Hawaii Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 30 days (mailed) / 20 days (at sale) | Full refund if no claims filed within free look period |
| Late Refund Penalty | 10% per month | Penalty added to refunds not paid within 45 days |
| Pro-Rata Refund | Required after free look | Entitled to unused portion after free look period |
| No Forced Purchase | Prohibited | Cannot require warranty purchase as condition of sale |
| Written Disclosures | Mandatory | All contract terms must be clearly disclosed |
Free Look Period
30 days (mailed) / 20 days (at sale)Late Refund Penalty
10% per monthPro-Rata Refund
Required after free lookNo Forced Purchase
ProhibitedWritten Disclosures
MandatoryWhat Hawaii Law Requires
Your Cancellation Rights
Under Hawaii Service Contract Act, Hawaii 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 10% per month penalty on late refunds.
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
"GAP insurance and fabric protection bundled in without asking. Cancelled both — $890 total."
— Kapolei, HI
$29 to recover up to $1,150. That's a 39x return.
Frequently Asked Questions
Can I cancel my extended warranty in Hawaii?
Yes. Under HRS § 481X-7, you can return a service contract within 30 days of mailing (or 20 days if delivered at sale) for a full refund if no claims were made. After that, you are entitled to a pro-rata refund.
What happens if a Hawaii dealer is late refunding me?
Under Hawaii law, a 10% per month penalty is added to any refund not paid or credited within 45 days after return of the contract. This is one of the strongest late-payment penalties in the nation.
Does Hawaii regulate service contracts separately from insurance?
Yes. HRS Chapter 481X specifically governs service contracts, treating them separately from insurance. Providers must comply with registration, disclosure, and refund requirements.
Where do I file a complaint in Hawaii?
File complaints with the Hawaii Department of Commerce and Consumer Affairs at (808) 587-4272 or the Hawaii Office of Consumer Protection at (808) 586-2634.
Hawaii 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 Hawaii's laws compare to other states:
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Average Hawaii recovery: $1,150 · Based on Hawaii Service Contract Act