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.
Missouri Extended Warranty Cancellation Guide
Under Missouri Service Contract Act, Missouri gives you the right to cancel and receive refunds on F&I products. You have a 20 days (mailed) / 10 days (at sale) free look period for full refunds. Dealers who fail to comply face 10% per month penalty on late refunds (RSMo § 385.306); Merchandising Practices Act remedies also available.
Quick Answer
Cancellation rights in Missouri depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 20 days (mailed) / 10 days (at sale), you receive a full refund (minus up to Varies by contract 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 Missouri?
Check your rights under Missouri law
Key Missouri 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 |
| Refund Deadline | 45 days | Refund must be issued within 45 days of cancellation |
| Late Refund Penalty | 10% per month (RSMo § 385.306) | Provider owes a 10% per month penalty on refunds paid late |
| Written Notice Required | RSMo 385.312 | Provider must give written notice before termination |
| Registration Required | Mandatory | Providers must register with the state |
Free Look Period
20 days if mailed (10 days if delivered at sale)Refund Deadline
45 daysLate Refund Penalty
10% per month (RSMo § 385.306)Written Notice Required
RSMo 385.312Registration Required
MandatoryWhat Missouri Law Requires
Your Cancellation Rights
Under Missouri Service Contract Act, some F&I products sold in Missouri may be cancellable or refundable, subject to their contract terms. During the free look period (20 days (mailed) / 10 days (at sale)), 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 (RSMo § 385.306); Merchandising Practices Act remedies also available.
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 Missouri Law
Our tool checks Missouri Service Contract 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
Can I cancel my extended warranty in Missouri?
Yes. Under RSMo § 385.300 et seq., you can cancel within 20 days of the contract being mailed to you (or 10 days if delivered at the point of sale) for a full refund if no claims have been filed. 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, a 20-day/10-day free-look period, a 45-day refund deadline, and a 10% per month penalty on late refunds under § 385.306.
What if a Missouri dealer violates my cancellation rights?
A provider that fails to pay your refund within 45 days owes a 10% per month penalty on the late refund under RSMo § 385.306. You can also file a complaint under the Missouri Merchandising Practices Act (RSMo § 407.010) for unfair or deceptive practices, and 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:
See What You May Be Owed in Missouri
Check your contract against Missouri cancellation rules and see which products appear refundable.
Free check · Instant results · No signup · No card
Optional letter only if you act · Missouri Service Contract Act