Balance Point The calculator

In the finance office

General information, not legal advice. Laws change. Facts last checked on 13 November 2026 against the sources linked.

We name no lender and sell nothing.

Oregon: Oregon's 2026 legislative session amended or repealed some sections in the chapters we cite. We read the 2025 edition of those chapters and could not confirm whether any section below changed. Check the linked law before you rely on a number of days or a fee.

What we found

State rule or agency guidance foundNo state refund rule found

TopicOregonWashingtonCalifornia
Cancelling the car purchase
OregonNo 3-day right; 10-day rule for lender-approval deals
WashingtonAttorney General: no 3-day right; 4-working-day financing rule
CaliforniaUsed cars $50,000 or less: 3 days; new cars: none
Vehicle service contract
OregonNo state refund rule found; contract must state cancel terms
WashingtonNo claim: full refund in 30 days, then unused part
CaliforniaFull refund in 60 or 30 days if no claim
GAP waiver
Oregon30 days or more for full refund if no benefit
Washington30 days or more for full refund if no benefit
CaliforniaCancel any time; full refund in first 30 days
Credit life and disability insurance
OregonRefund paid or credited promptly; 30 days after early payoff
WashingtonRefund paid or credited promptly; no day count
California30 days for full refund; end it any time

Questions to ask

Questions you can ask. These are not legal facts.

  1. “Is this product optional? Where does the paperwork say so?”
  2. “What is the price of each add-on, and what is my monthly payment without them?”
  3. “Where does this contract say how to cancel, and who pays the refund?”
  4. “If I pay off or refinance the loan early, how is the unused part refunded, and does it go to me or the lender?”
  5. “Is this deal final, or does it depend on a lender approving it? Can I have your return policy in writing?”
  6. “Which cancellation rule applies to this product, and where is it written?”
Cancellationor Termination how to cancel,who pays the refund
Look for a section called Cancellation or Termination in the product’s own contract.

Not covered yet

These pages do not yet cover paint and fabric protection, tire and wheel protection, key replacement, theft etching or prepaid maintenance plans, and state no rule for them. For questions, read the contract or ask the offices below.

  • Paint and fabric protection
  • Tire and wheel protection
  • Key replacement
  • Theft etching
  • Prepaid maintenance plans

Offices to ask

Oregon

Washington

California