State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Washington F&I Product Cancellation Rights
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 20 days (mailed) / 10 days (at sale) free look period for full refunds. Dealers who fail to comply face 10% monthly penalty on late refunds; Consumer Protection Act violations.
Quick Answer
In Washington, you can cancel dealer add-on products at any time. During the first 20 days (mailed) / 10 days (at sale), 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 |
|---|---|---|
| Free Look Period | 20 days (mailed) / 10 days (at sale) | Full refund within free look period minus max $25 fee if no claims |
| Cancellation Fee | Max $25 | Fee cannot exceed $25; $0 if returned within 10 days |
| Late Refund Penalty | 10% per month | 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 |
Free Look Period
20 days (mailed) / 10 days (at sale)Cancellation Fee
Max $25Late Refund Penalty
10% per monthProvider Cancellation Notice
21 daysConsumer Protection Act
ActiveWhat Washington Law Requires
Your Cancellation Rights
Under Washington Service Contracts and Protection Product Guarantees Act, Washington consumers have the right to cancel F&I products purchased from dealers. 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 30 days to respond. Failure to comply may result in 10% monthly penalty on late refunds; Consumer Protection Act violations.
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
"Extended warranty and paint sealant — two products that sounded essential until I read the exclusions. $1,750 total refund."
— Whatcom County, WA
$29 to recover up to $1,100. That's a 37x return.
Frequently Asked Questions
Can I cancel my extended warranty in Washington?
Yes. Under RCW 48.110.075, 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. The maximum cancellation fee is $25 (and $0 if returned within 10 days of purchase).
What happens if a Washington dealer is late refunding me?
Under Washington law, a 10% penalty is added to any refund not paid within 30 days of returning the contract. After the free look period, pro-rata refunds also carry the same penalty for late payment.
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:
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Average Washington recovery: $1,100 · Based on Washington Service Contracts and Protection Product Guarantees Act