State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
South Carolina F&I Product Cancellation Rights
Under South Carolina Service Contracts Act, South Carolina gives you the right to cancel and receive refunds on F&I products. You have a 20 days free look period for full refunds. Dealers who fail to comply face Insurance Department enforcement; Consumer Protection Act damages.
Quick Answer
In South Carolina, you can cancel dealer add-on products at any time. During the first 20 days, you receive a full refund (minus up to $0 during free look fee). Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $7,500.
Purchased F&I products in South Carolina?
Check your rights under South Carolina law
Key South Carolina Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 20 days (10 if at point of sale) | Full refund if no claims filed during free look period |
| Provider Cancellation Notice | 15 days | Provider must give 15 days written notice before cancellation |
| Pro-Rata Refund | Required after free look | Entitled to unused portion after free look period |
| Auto-Renewal Disclosure | 30-60 days notice | Must be notified of auto-renewal 30-60 days before deadline |
| Insurance Backing | Required | Provider must maintain financial backing or insurance |
Free Look Period
20 days (10 if at point of sale)Provider Cancellation Notice
15 daysPro-Rata Refund
Required after free lookAuto-Renewal Disclosure
30-60 days noticeInsurance Backing
RequiredWhat South Carolina Law Requires
Your Cancellation Rights
Under South Carolina Service Contracts Act, South Carolina consumers have the right to cancel F&I products purchased from dealers. During the free look period (20 days), 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 Insurance Department enforcement; Consumer Protection Act damages.
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.
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State-Specific Citations
Maximum refund amounts
"A salesman in the Upstate region kept telling me to call back next week. Finally put the cancellation in writing — refund arrived fast."
— Upstate South Carolina, SC
$29 to recover up to $950. That's a 32x return.
Frequently Asked Questions
Can I cancel my extended warranty in South Carolina?
Yes. Under SC Code § 38-78-30, you can return a service contract within 20 days of mailing (or 10 days if delivered at sale) for a full refund if no claims were made. After that, you are entitled to a pro-rata refund.
What auto-renewal protections does South Carolina provide?
Under § 38-78-55, auto-renewal provisions are unenforceable unless the provider gives written notice 30-60 days before the cancellation deadline, disclosing renewal terms, charges, and cancellation methods.
What happens if a SC provider cancels my contract?
The provider must mail written notice at least 15 days before cancellation. Prior notice is not required only for nonpayment, material misrepresentation, or substantial breach by the holder.
Where do I file a complaint in South Carolina?
Contact the South Carolina Department of Insurance at (803) 737-6160 or the SC Department of Consumer Affairs at (803) 734-4200.
South Carolina 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 South Carolina's laws compare to other states:
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Average South Carolina recovery: $950 · Based on South Carolina Service Contracts Act