State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Kentucky F&I Product Cancellation Rights
Under Kentucky Consumer Protection Act, Kentucky gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Actual damages plus attorney fees; AG enforcement.
Quick Answer
In Kentucky, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $2,500.
Purchased F&I products in Kentucky?
Check your rights under Kentucky law
Key Kentucky Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Consumer Protection | Active (KRS 367.110) | Unfair and deceptive acts in warranty sales are prohibited |
| Right to Cancel | Per contract | Contract must specify cancellation and refund terms |
| Disclosure Requirements | KRS 367.399 | Cancellation rights must be disclosed for membership contracts |
| Pro-Rata Refund | Per contract | Entitled to unused portion per contract terms |
| AG Enforcement | Active | Kentucky AG Consumer Protection Division investigates |
Consumer Protection
Active (KRS 367.110)Right to Cancel
Per contractDisclosure Requirements
KRS 367.399Pro-Rata Refund
Per contractAG Enforcement
ActiveWhat Kentucky Law Requires
Your Cancellation Rights
Under Kentucky Consumer Protection Act, Kentucky 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.
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
"A salesman in eastern Kentucky swore the products were non-cancellable. They absolutely were. Both refunded."
— Eastern Kentucky, KY
$29 to recover up to $900. That's a 31x return.
Frequently Asked Questions
Can I cancel my extended warranty in Kentucky?
Yes. Your service contract should include cancellation provisions. While Kentucky does not have a specific service contract cancellation statute, the Kentucky Consumer Protection Act (KRS § 367.110) prohibits unfair practices and provides remedies if a dealer refuses a lawful refund.
What is the small claims limit in Kentucky?
Kentucky small claims court handles cases up to $2,500. For larger warranty refund disputes, you would need to file in district court. The Kentucky Consumer Protection Act allows recovery of attorney fees in successful cases.
What if a Kentucky dealer uses deceptive practices?
Under the Kentucky Consumer Protection Act, deceptive practices are unlawful. You can recover actual damages plus attorney fees. The Kentucky Attorney General's office investigates consumer complaints.
Where do I file a complaint in Kentucky?
Contact the Kentucky Attorney General Consumer Protection Division at (502) 696-5389 or toll-free at (888) 432-9257.
Kentucky 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 Kentucky's laws compare to other states:
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Average Kentucky recovery: $900 · Based on Kentucky Consumer Protection Act