State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Nevada F&I Product Cancellation Rights
Under Nevada Service Contracts Act, Nevada gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Consumer protection act violations — deceptive trade practice.
Quick Answer
In Nevada, you can cancel dealer add-on products at any time. Refunds must be issued within 30 days. You can sue in Small Claims Court for up to $10,000.
Purchased F&I products in Nevada?
Check your rights under Nevada law
Key Nevada Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Provider Cancellation Restrictions | NRS 690C.270 | Provider cannot cancel after 70 days except for specific reasons |
| No Fee on Provider Cancellation | Prohibited | If provider cancels, they cannot charge a cancellation fee |
| Cancellation Notice | 15 days written notice | Must receive 15 days notice before provider cancellation |
| Pro-Rata Refund | Required | Unearned portion must be refunded upon cancellation |
| Consumer Protection | Active | Violations are deceptive trade practices under NRS 598 |
Provider Cancellation Restrictions
NRS 690C.270No Fee on Provider Cancellation
ProhibitedCancellation Notice
15 days written noticePro-Rata Refund
RequiredConsumer Protection
ActiveWhat Nevada Law Requires
Your Cancellation Rights
Under Nevada Service Contracts Act, Nevada 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.
Timeline
Once you submit your request, the dealer or administrator has 30 days to respond. Failure to comply may result in Consumer protection act violations — deceptive trade practice.
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
"Key replacement plan and maintenance package — neither one covered anything my regular shop doesn't. The $885 went to my lender within the month."
— Henderson, NV
$29 to recover up to $1,050. That's a 36x return.
Frequently Asked Questions
Can I cancel my extended warranty in Nevada?
Yes. Under NRS § 690C.250, you can cancel your service contract per its terms. 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 restricts when providers can cancel contracts (only after 70 days for fraud, misrepresentation, etc.), prohibits cancellation fees when providers cancel, requires 15 days written notice, and mandates full unearned refunds.
What happens if my Nevada service contract provider cancels?
Under NRS 690C.270, if a provider cancels your contract, they must refund the unearned portion of the purchase price and cannot charge any cancellation fee. They must give at least 15 days written notice.
Where do I file a complaint in Nevada?
Contact the Nevada Attorney General Consumer Protection Bureau at (702) 486-3132 or the Nevada Division of Insurance at (888) 872-3234.
Nevada 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
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Average Nevada recovery: $1,050 · Based on Nevada Service Contracts Act