How long does Nevada give dealers to process my refund?

Nevada sets a deadline only for free-look returns: the provider must refund the purchase price within 45 days after you return the contract, or pay a 10% penalty for each 30-day period it stays unpaid (NRS 690C.250(4)). For cancellations after the free look there is no statutory deadline, so send your request in writing and keep proof of delivery.

Do I need to return the vehicle to cancel my warranty in Nevada?

No. Nevada consumers can cancel a service contract or extended warranty without returning, surrendering, or even taking the vehicle in for inspection. Cancellation is a paperwork transaction between you and the contract provider. The dealership cannot make vehicle return a precondition for processing your refund.

What if my Nevada dealer refuses to cancel my add-on product?

If a Nevada dealer or provider refuses a valid cancellation, you can complain to the Nevada Attorney General or the Division of Insurance, whose Commissioner can assess civil penalties of up to $500 per violation (NRS 690C.330). A free-look refund not paid within 45 days of return carries a 10% penalty per 30-day period (NRS 690C.250(4)), and you can sue in small claims court (limit $10,000).

State Law Guide

Many F&I products allow cancellation for a pro-rata refund, but the contract, product type, timing, claims, and state law all matter.

Nevada Extended Warranty Cancellation Guide

Under Nevada Service Contracts Law, Nevada gives you the right to cancel and receive refunds on F&I products. You have a 20 days (mailed) / 10 days (delivered at sale) free look period for full refunds. Dealers who fail to comply face A penalty of 10% of the purchase price for each 30-day period (or part of one) a free-look refund stays unpaid after 45 days (NRS 690C.250(4)), and civil penalties assessed by the Commissioner of Insurance of up to $500 per violation, capped at $10,000 for violations of a similar nature (NRS 690C.330).

Quick Answer

Cancellation rights in Nevada depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 20 days (mailed) / 10 days (delivered at sale), you receive a full refund (minus up to $0 during free look; $0 if provider cancels fee). Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $10,000.

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Key Nevada Provisions

Provision	Requirement	Your Right
Free Look Period	20 days after mailing / 10 days if furnished at purchase (NRS 690C.250(1))	Full refund of the purchase price, with no fee, if the original purchaser returns the contract and no claim has been made
Late Refund Penalty	10% per 30-day period after 45 days (NRS 690C.250(4))	A free-look refund not paid within 45 days of return accrues a penalty of 10% of the purchase price for each 30-day period (or part of one) it stays unpaid
Refund After Free Look	Unearned portion (NAC 690C.120(2), (3), (5))	If the original purchaser cancels in writing under the contract terms, the provider must refund the unearned portion of the price, less any outstanding balance and a reasonable cancellation fee only if the contract provides for one
Provider Cancellation Restrictions	NRS 690C.270(1)	Once a contract has been in effect 70 days, the provider may cancel before the term ends or one year passes (whichever is first) only for nonpayment, a crime or holder act that increases the service required, fraud or material misrepresentation, or a material change in the required service
No Fee on Provider Cancellation	Prohibited (NAC 690C.120(1))	If the provider cancels, it must refund the unearned portion of the price and cannot charge a cancellation fee
Cancellation Notice	15 days (NRS 690C.270(2))	A provider cancellation cannot take effect until at least 15 days after the notice is mailed to you
Dealer-Obligated Contracts	Exempt (NRS 690C.100(1)(f))	The chapter does not apply to a service contract sold by a licensed dealer on a vehicle it sold if the dealer, the manufacturer or an affiliate is obligated to provide all services under it

Free Look Period

20 days after mailing / 10 days if furnished at purchase (NRS 690C.250(1))

Full refund of the purchase price, with no fee, if the original purchaser returns the contract and no claim has been made

Late Refund Penalty

10% per 30-day period after 45 days (NRS 690C.250(4))

A free-look refund not paid within 45 days of return accrues a penalty of 10% of the purchase price for each 30-day period (or part of one) it stays unpaid

Refund After Free Look

Unearned portion (NAC 690C.120(2), (3), (5))

If the original purchaser cancels in writing under the contract terms, the provider must refund the unearned portion of the price, less any outstanding balance and a reasonable cancellation fee only if the contract provides for one

Provider Cancellation Restrictions

NRS 690C.270(1)

Once a contract has been in effect 70 days, the provider may cancel before the term ends or one year passes (whichever is first) only for nonpayment, a crime or holder act that increases the service required, fraud or material misrepresentation, or a material change in the required service

No Fee on Provider Cancellation

Prohibited (NAC 690C.120(1))

If the provider cancels, it must refund the unearned portion of the price and cannot charge a cancellation fee

Cancellation Notice

15 days (NRS 690C.270(2))

A provider cancellation cannot take effect until at least 15 days after the notice is mailed to you

Dealer-Obligated Contracts

Exempt (NRS 690C.100(1)(f))

The chapter does not apply to a service contract sold by a licensed dealer on a vehicle it sold if the dealer, the manufacturer or an affiliate is obligated to provide all services under it

What Nevada Law Requires

Your Cancellation Rights

Under Nevada Service Contracts Law, some F&I products sold in Nevada may be cancellable or refundable, subject to their contract terms. During the free look period (20 days (mailed) / 10 days (delivered 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

If you cancel within the free-look window, the provider has 45 days to pay the refund; for later cancellations your contract sets the timing. Failure to comply may result in A penalty of 10% of the purchase price for each 30-day period (or part of one) a free-look refund stays unpaid after 45 days (NRS 690C.250(4)), and civil penalties assessed by the Commissioner of Insurance of up to $500 per violation, capped at $10,000 for violations of a similar nature (NRS 690C.330).

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.

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Frequently Asked Questions

Can I cancel my extended warranty in Nevada?

Yes. Under NRS § 690C.250, 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, fee-free, if no claims have been filed. If the provider cancels, they must refund the unearned portion without any cancellation fee. Providers cannot cancel contracts after 70 days except for specific reasons.

What protections does NRS 690C provide?

NRS 690C gives the original buyer a free look of 20 days after the contract is mailed, or 10 days if it is handed over at purchase, for a full refund if no claim was made, and a free-look refund not paid within 45 days accrues a 10% penalty for each 30-day period (NRS 690C.250). A provider may not cancel a contract in effect 70 days or more, before the term ends or one year passes, except on listed grounds and with 15 days' notice (NRS 690C.270), and if it cancels it must refund the unearned portion with no cancellation fee (NAC 690C.120(1)).

What happens if my Nevada service contract provider cancels?

If a provider cancels under NRS 690C.270, it must refund the unearned portion of the purchase price and may not charge a cancellation fee (NAC 690C.120(1)). The cancellation cannot take effect until at least 15 days after the notice is mailed to you (NRS 690C.270(2)).