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Do Lemon Laws Apply to Used Vehicles?
Lemon laws usually apply to new cars, but some states have lemon laws that apply to used cars, too.
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In most cases, lemon laws apply only to new cars, but lemon laws in a number of states also cover certain used vehicles.
What is a lemon law?
Lemon laws are state laws that protect owners of cars that have serious defects. They require vehicle manufacturers or dealers of defective cars to make repairs — or to replace or refund the purchase.
Sometimes a car can have such serious defects that it’s difficult or virtually impossible to properly repair them. Lemon laws allow buyers of new (and in some states, used) vehicles to sue for damages or replacement of the vehicle if the manufacturer or dealer is unable — after trying for a reasonable amount of time or reasonable number of attempts — to make the vehicle run properly. What’s “reasonable” varies from state to state
Cornell Law School Legal Information Institute. Lemon Law. Accessed Apr 22, 2025.
In almost all cases, lemon laws apply only to vehicles sold under warranty. They usually do not apply to vehicles sold “as is.”
State lemon laws work in conjunction with the federal Magnuson Moss Warranty-Federal Trade Commission Improvements Act, which authorizes the Federal Trade Commission to create regulations for written warranties, defines the standards for “full” warranties, limits “implied warranty disclaimers, and creates consumer remedies for breach of service contract obligations and warranties. Car-related lemon laws themselves, however, are individual state laws, each with their own specific terms and conditions
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors like maximum rates, variety of loan options, visibility of borrower requirements, accessibility, speed of funding, fees and more.
Best for borrowers with good or excellent credit who want fast approval and funding to buy a new car.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors like maximum rates, variety of loan options, visibility of borrower requirements, accessibility, speed of funding, fees and more.
4.0
Est. APR:
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
6.99 - 15.74%
Term: 24 - 84 months
You will be redirected to the partner's website.
The terms presented here are estimated and provided solely to assist you
in finding a great lender. The terms may vary based on the partner's terms
and conditions.
You will be redirected to the partner's website
The terms presented here are estimated and provided solely to assist you in finding a great lender. The monthly payment amount, Annual Percentage Rate (APR), and any other terms are based on standard Consumers Credit Union rates and terms for your NerdWallet provided credit score, zip code, and the other self-provided information. These terms may vary based on your credit history, your individual income, or other terms of the lender.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors like maximum rates, variety of loan options, visibility of borrower requirements, accessibility, speed of funding, fees and more.
Best for applicants who want to compare multiple new car purchase loan offers.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors like maximum rates, variety of loan options, visibility of borrower requirements, accessibility, speed of funding, fees and more.
3.5
Est. APR:
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
5.98 - 29.90%
Term: 24 - 84 months
You will be redirected to the partner's website.
The terms presented here are estimated and provided solely to assist you
in finding a great lender. The terms may vary based on the partner's terms
and conditions.
You will be redirected to the partner's website
The terms presented here are estimated and provided solely to assist you in finding a great lender. The monthly payment amount, Annual Percentage Rate (APR), and any other terms are based on standard Consumers Credit Union rates and terms for your NerdWallet provided credit score, zip code, and the other self-provided information. These terms may vary based on your credit history, your individual income, or other terms of the lender.
Auto Credit Express
New car purchase loan
Not yet rated
Best for new-car buyers who can’t qualify for a lower-rate loan through a traditional lender and need help finding a dealer with subprime lending.
Min score: None
Amount: No min. - $100,000
Min. AmountNo min.
Max. Amount$100,000
Not yet rated
Est. APR:
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
Annual percentage rate (APR) represents the true cost of
borrowing money. It is your interest rate plus any loan fees,
and is expressed as a percentage.
N/A - N/A
Term: 24 - 84 months
You will be redirected to the partner's website.
The terms presented here are estimated and provided solely to assist you
in finding a great lender. The terms may vary based on the partner's terms
and conditions.
You will be redirected to the partner's website
The terms presented here are estimated and provided solely to assist you in finding a great lender. The monthly payment amount, Annual Percentage Rate (APR), and any other terms are based on standard Consumers Credit Union rates and terms for your NerdWallet provided credit score, zip code, and the other self-provided information. These terms may vary based on your credit history, your individual income, or other terms of the lender.
In most cases, lemon laws do not apply to the purchase of used cars; in fact only certain states extend any lemon law protection to used vehicles, and even then, the coverage is very limited.
These states do have lemon laws that apply to used cars.
Arizona
This state's used vehicle lemon law covers major components that break down within 15 days or 500 miles of purchase. The customer is still responsible for up to $25 for the first two repairs, and the recovery amount (if the car can’t be repaired) is the car’s purchase price
Arizona Attorney General. Auto Purchases. Accessed Apr 22, 2025.
The state’s lemon law covers used vehicles only if they are sold with the manufacturer’s new vehicle warranty still in effect. If the manufacturer is unable to repair the vehicle in a “reasonable” number of attempts, the manufacturer must replace the vehicle or refund the purchase price, whichever the customer prefers
Dealers are required to provide a 30-day/1,500-mile warranty for cars sold for $3,000 or more, and a 60-day/3,000-mile warranty for vehicles sold for $5,000 or more. The car has to be less than seven years old for the lemon law to apply, though. Coverage includes all parts and labor to keep the vehicle functioning properly. There is no right to return and no dispute resolution included
This state's lemon law covers used vehicles purchased for at least $700 from a dealer. The car must have fewer than 125,000 miles on the odometer at the time of sale.
The lemon law protects the buyer for 30 to 90 days, depending on the car’s mileage. During this time period, the dealer must accept the vehicle for repairs (or authorize another dealer to do so) within three business days of request. The dealer has a total of 11 business days (consecutive or nonconsecutive) or three repair attempts to fix the defect. The dealer has the right to offer to buy back your car instead of making repairs.
Massachusetts has a rare exception to the “as is” exclusions of most lemon laws. If you bought a car that has a major defect from a private seller, the law may allow you to rescind the sale within 30 days of purchase — but only if you are able to prove that the seller was aware of that defect and didn’t disclose it when you bought the car
Here, a used vehicle may still be covered by state lemon law if it’s still under manufacturer warranty at the time of purchase. Issues have to be reported to the dealer within a year of the date it was delivered to the original buyer for the lemon law to apply
Lemon laws in Minnesota may apply to used vehicles that are still under the manufacturer’s warranty. To be covered, the defect has to be reported within the warranty period or two years, whichever comes first. If you continue to have problems with the defect after this time period, you may still be able to make a claim for an additional year. If defects can’t be repaired within a reasonable number of attempts, the manufacturer must either replace or refund the vehicle
Lemon laws may extend to used cars purchased from licensed used car dealers. The law requires dealers provide warranties for used vehicles with up to 100,000 miles. The required coverage periods last between 30 days/1,000 miles and 90 days/3,000 miles (whichever comes first) depending on the vehicle’s odometer reading at sale. This coverage only applies to vehicles sold for $3,000 or more that are no more than seven model years old. “As is” sales are excluded, as are private sales
New Jersey Division of Consumer Affairs. Used Car Lemon Law. Accessed Apr 22, 2025.
New Mexico's lemon law may apply to used vehicles purchased from used motor vehicle dealers. The vehicle must operate properly for 500 miles or 15 days, whichever comes sooner
State lemon laws may extend to used cars purchased at New York dealers with a purchase price of at least $1,500 and no more than 100,000 miles at the time of sale. The warranty covers engine, transmission, drive axle, brakes, steering and certain other parts, and it lasts from 30 to 90 days, depending on the car’s odometer reading at the time of sale. If the dealer can’t make the repairs after a reasonable number of attempts, the dealer must provide a full refund. Minor defects and problems resulting from abuse or neglect by the consumer aren’t covered
Used vehicles purchased from dealerships may qualify for lemon law protection if they’ve been in for service for the same defect three times within its dealer warranty period, or if they’ve been out of service for 15 days within the warranty period
RI Office of the Attorney General. Lemon Law. Accessed Apr 22, 2025.
Used vehicles purchased from a dealer that are still covered under the manufacturer’s original warranty (not an extended service contract) may be covered under the state’s lemon law. Coverage may extend to vehicles that are no longer under warranty if the defect was reported while the warranty was still in effect. If repairs aren’t made during the state-specified period and number of attempts, the customer may be entitled to either a refund or replacement
Texas Department of Motor Vehicles. Texas Lemon Law. Accessed Apr 22, 2025.
If the first repair for a defect took place during the manufacturer’s express warranty and other eligibility requirements are met, the vehicle may be covered under state lemon law. Vermont considers all vehicles still under manufacturer’s express warranty to be “new motor vehicles.”
Vermont Department of Motor Vehicles. Lemon Law FAQs. Accessed Apr 22, 2025.
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1.
Cornell Law School Legal Information Institute. Lemon Law. Accessed Apr 22, 2025.