Car Loan thru Wells Fargo

Submitted by Diane_Caldwell on Wed, 05/28/2008 - 17:52

Once you have signed a loan application. Can you back out of the deal? I purchased a car yesterday, and the pmt is to high for me.
Epperson said once I signed. The deal was done!!!
No changing mind or getting a cheaper car.
HELP!!! Is there a time limit to change my mind?

Hi Diane
the federal law does necessitates the dealers to give used cars a three day right to cancel (cooling off period). However you can return the car and take refund of your money only if the dealer gives you this privilege. Before purchasing the car you should have asked your dealer about the return policy and should have got it in writing.

Thu, 05/29/2008 - 08:20 Permalink

I agree with Laura on the point that unlike housing loans, car loans do not necessarily have a cooling off period and so it is advisable to know the return policy or the money back guarantee policy of the dealer before purchasing and get it in writing.

Thu, 05/29/2008 - 09:13 Permalink
Mr.Larry Joseph (not verified)


I am Mr.Larry Joseph, UNION ALLIANCE FINANCE LIMITED.A private Loan lender and a corporate financier for real estate and any kinds of business financing.We offer Loans to individuals,Firms and other cooperate bodies who are in need of financial help or assistant at a reduced interest rate.Loan terms determinant,and Capital is based between the range of $1,000 and above,Loan for developing business a competitive edge/business expansion.
Are you homeless?
Are you broke and needed funding?
Is your car broken down?
Do you need a reconstruction loan?
Is your finance going down the drain?
Is your business liquidating and folding up?
Name In Full:....................................
Mobile/Phone Number:.............................
Amount Needed As Loan:............................
Loan Duration:....................................
Purpose For The Loan:.............................
If so, then count on us for an affordable and reliable loan services that will give you the comfort you need as we are ready to fund you with any amount you so need and desire.
Contact us at:[deleted] violation of forum rules - Richard
Mr.Larry Joseph.

Thu, 06/12/2008 - 22:25 Permalink

Yeah I too found a number of post made by Larry Joseph. this is I think a promotional post and so Richard has deleted it off.

Mon, 06/16/2008 - 08:40 Permalink

Did the dealer clearly explain what the monthly payments would be, DIANE?? I know sometimes we get 'caught up' in the excitement of getting a vehicle, etc. Just need to look at what you sign.

Mon, 06/16/2008 - 09:35 Permalink

Yes, definately, they can hide the stuff in the fine print that will come back and bite you later. I don't purchase any extra warranty or any of the extras, except for the gap insurance and that is only because I purchased the vehicle in the middle of winter.

Tue, 06/17/2008 - 03:28 Permalink

hi Diane

you must sure before sing the papers.. dear..but the federal law does necessitates the dealers to give used cars a three day right to cancel . so talk to them.. and try your best... :)

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