State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Missouri F&I Product Cancellation Rights
Under Missouri Service Contract Act, Missouri gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Merchandising Practices Act penalties — actual damages.
Quick Answer
In Missouri, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $5,000.
Purchased F&I products in Missouri?
Check your rights under Missouri law
Key Missouri Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Service Contract Regulation | Active (RSMo 385.300) | Service contracts specifically regulated under state law |
| Written Notice Required | RSMo 385.312 | Provider must give written notice before termination |
| Cancellation Terms | Must be in contract | Contract must contain cancellation conditions and terms |
| Registration Required | Mandatory | Providers must register with the state |
| Merchandising Practices | Active | Additional protections under Merchandising Practices Act |
Service Contract Regulation
Active (RSMo 385.300)Written Notice Required
RSMo 385.312Cancellation Terms
Must be in contractRegistration Required
MandatoryMerchandising Practices
ActiveWhat Missouri Law Requires
Your Cancellation Rights
Under Missouri Service Contract Act, Missouri 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
"Finance office added a sealant package and a wheel plan I didn't catch until I got home. Cancelled both for $1,225."
— Ozarks Region, MO
$29 to recover up to $950. That's a 32x return.
Frequently Asked Questions
Can I cancel my extended warranty in Missouri?
Yes. Under RSMo § 385.300, service contracts must contain cancellation terms and conditions. Missouri requires written notice for termination and providers must be registered with the state.
How does Missouri regulate service contracts?
Missouri has a comprehensive Service Contract Act (RSMo Chapter 385) that requires provider registration, contract disclosure requirements, cancellation provisions, and written notice for termination.
What if a Missouri dealer violates my cancellation rights?
You can file a complaint under the Missouri Merchandising Practices Act (RSMo § 407.010) for unfair or deceptive practices. Consumers can recover actual damages.
Where do I file a complaint in Missouri?
Contact the Missouri Attorney General Consumer Protection Division at (800) 392-8222 or (573) 751-3321.
Missouri 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 Missouri's laws compare to other states:
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Average Missouri recovery: $950 · Based on Missouri Service Contract Act