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Arizona car dealer financing, trade ins and fees

Source: Arizona Car Help (arizonacarhelp.com), part of the Local Help Stations network (localhelpstations.com). Last updated November 3, 2026.

If a dealer sale or lease depends on final financing approval, the dealer must keep your trade in, title and possession, until financing is final or the trade in is returned to you. That remedy cannot be waived by contract (A.R.S. 44-1371). The Attorney General says you may reject changed financing terms and the dealer must return your trade in. (source: Arizona State Legislature) (source: Arizona Attorney General's Office)

If a dealer charges a document fee, its vehicle ads must clearly and conspicuously disclose that a document fee will be charged (A.R.S. 44-1371). (source: Arizona State Legislature)

The Attorney General says you do not have to agree to pay for dealer add ons such as window etching, nitrogen filled tires, paint protection or rust proofing, even if they are already on the car. Negotiate an out the door price, get all promises in writing, and do not sign anything with blank spaces. (source: Arizona Attorney General's Office)

The Attorney General says Arizona does NOT have a "cooling off" period or three day right to cancel a car sale. (source: Arizona Attorney General's Office)

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