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.
Washington Extended Warranty Cancellation Guide
Under Washington Service Contracts and Protection Product Guarantees Act, Washington gives you the right to cancel and receive refunds on F&I products. You have a 30 days (full refund within 10 days; refund minus $25 fee days 10-30) free look period for full refunds. Dealers who fail to comply face One-time 10% penalty on late refunds (after 30 days) per RCW 48.110.075; Consumer Protection Act violations.
Quick Answer
Cancellation rights in Washington depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 30 days (full refund within 10 days; refund minus $25 fee days 10-30), you receive a full refund (minus up to $25 fee). Refunds must be issued within 30 days. You can sue in Small Claims Court for up to $10,000.
Purchased F&I products in Washington?
Check your rights under Washington law
Key Washington Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Return Window | 30 days (motor-vehicle-specific, RCW 48.110.075) | Full refund if returned within 10 days; refund minus a $25 fee if returned 10-30 days after purchase |
| Cancellation Fee | Max $25 | Fee cannot exceed $25; $0 if returned within 10 days |
| Late Refund Penalty | One-time 10% (RCW 48.110.075) | One-time 10% penalty added to refunds not paid within 30 days |
| Provider Cancellation Notice | 21 days | Must receive 21 days written notice before provider cancellation |
| Consumer Protection Act | Active | Violations are unfair or deceptive acts under RCW 19.86 |
Return Window
30 days (motor-vehicle-specific, RCW 48.110.075)Cancellation Fee
Max $25Late Refund Penalty
One-time 10% (RCW 48.110.075)Provider Cancellation Notice
21 daysConsumer Protection Act
ActiveWhat Washington Law Requires
Your Cancellation Rights
Under Washington Service Contracts and Protection Product Guarantees Act, some F&I products sold in Washington may be cancellable or refundable, subject to their contract terms. During the free look period (30 days (full refund within 10 days; refund minus $25 fee days 10-30)), 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 30 days to respond. Failure to comply may result in One-time 10% penalty on late refunds (after 30 days) per RCW 48.110.075; Consumer Protection Act violations.
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.
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See What You May Be Owed Under Washington Law
Our tool checks Washington Service Contracts and Protection Product Guarantees Act and state-specific provisions against your paperwork for free — then generates a formal f&i product cancellation letter if you want one.
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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
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Frequently Asked Questions
Can I cancel my extended warranty in Washington?
Yes. Motor vehicle service contracts in Washington are governed by RCW 48.110.075, which gives you a 30-day return window: a full refund if you return the contract within 10 days of purchase, or a refund minus a $25 fee if you return it between 10 and 30 days after purchase. (The general service-contract free-look rule in RCW 48.110.050 does not apply — it explicitly excludes motor vehicles.)
What happens if a Washington dealer is late refunding me?
Under RCW 48.110.075, a one-time 10% penalty is added to any refund not paid within 30 days of returning the contract. This is a single penalty, not a recurring monthly charge.
How much notice must a Washington provider give before cancellation?
Washington requires providers to mail written notice at least 21 days before cancellation, stating the effective date and true reason. This is one of the longest notice periods in the nation.
Where do I file a complaint in Washington?
Contact the Washington Attorney General Consumer Protection Division at (800) 551-4636. Violations of RCW 48.110 are unfair trade practices under the Consumer Protection Act.
Washington 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 Washington's laws compare to other states:
See What You May Be Owed in Washington
Check your contract against Washington cancellation rules and see which products appear refundable.
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Optional letter only if you act · Washington Service Contracts and Protection Product Guarantees Act