Reviewed by Shannon Martin, Licensed Insurance Agent.
“A spot delivery is illegal in California; however, a dealership can let a buyer take the car home without financing for 10 days.
Under California’s laws, a dealer has the right to ask you to return the vehicle within 10 days if they can’t find financing. The dealer cannot blame you or charge you if they fail to find financing. The dealer:
has to refund your money.
has to return your trade-in (if applicable).
cannot charge you for any miles incurred on the car you purchased.
You are not obligated to renegotiate your contract or sign a new one when you return your car.
Once you get a good price for your new car, keep in mind that lenders will require full coverage. The higher the coverage, the higher your car insurance rates, but that doesn’t mean you have the empty your pockets for the proper coverage. Try using the
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