Whether you’re planning to get a car or having trouble managing your auto loan, we have unbiased resources and tools to help you get the best deal and avoid surprises that can cost you money.
I'm getting an auto loan
I'm dealing with auto loan issues
Steps for getting an auto loan
Getting a new car or auto loan affects your overall money picture. Whether you’re a first-time borrower or a pro, seeing what questions to ask and steps to take can help you avoid common pitfalls, so you can drive off the lot with confidence.
1. Know before you shop for a car or auto loan
By asking questions before you shop, you’re more likely to get the best interest rates and loan terms for your budget, save yourself valuable time and money, and reduce stress.
2. See different ways to get an auto loan
When financing a new vehicle, you have options. Learn the most common ways to get an auto loan and how to compare interest rates and terms to find the best one for your budget.
Read more about the ways to finance your loan
3. Know what is negotiable
Did you know that you can negotiate the terms of your auto loan? Negotiating can save you hundreds or even thousands of dollars over the life of your loan.
Find out more about negotiating loan basics
4. Understand how to close the deal
There’s still a lot of paperwork to go over and sign. Before you drive away, make sure the paperwork matches the deal you think you are getting and that everyone has signed all the documents.
Read more about closing the deal
Have other auto loan questions?
You can search for answers to our most frequently asked auto loan questions.
Dealing with auto loan problems
Common issues
You owe more than your vehicle is worth
You can't make payments on your auto loan
You can't make payments on your auto lease
Your car was repossessed
Or, search for answers to our most frequently asked auto loan questions
Submit a complaint
Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. We'll forward your complaint to the company and work to get you a response, generally within 15 days.
What is the Lemon Law?
MotorVehicleTitle_smThe Washington State Motor Vehicle “Lemon Law” was enacted to help new vehicle owners who have substantial continuing problems with warranty repairs. The law allows the owner to request an arbitration hearing through the Lemon Law Administration of Attorney General’s Office. An owner can request arbitration under Lemon Law at any time within 30 months of the vehicle’s original retail delivery date. There will be no charge for the arbitration process. After an arbitration hearing, an arbitrator will decide whether a consumer’s claim meets the requirements under the law.
Note: The Lemon Law does not allow a consumer to stop making loan or lease payments while pursuing a Lemon Law claim.
Is Your Vehicle a Motor Home?
Downloads
Lemon Law Cars, Trucks and Motorcycle Booklet (PDF)Lemon Law Motor Home Booklet (PDF)
Request for Arbitration Form (PDF)
RCW 19.118 – The Motor Vehicle Warranties Act, generally known as the Lemon Law. Click here to see the 2009 Lemon Law revisions effective 7/26/2009.
WAC 44-10 – Lemon Law Administrative Rules, arbitration and the arbitration process.
There are additional requirements and limitations if your vehicle is a motor home. The motor home requirements are described in the Motor Home Lemon Law booklet available from the Lemon Law Administration. It is also downloadable from the Lemon Law website.
Which Vehicles Are Eligible?
The Lemon Law covers most classes of new motor vehicles including “demonstrators” originally purchased or leased at retail in Washington.
Note – Armed Forces Provision: If you are a member of the armed forces stationed or residing in Washington, a new vehicle brought with you from another state is also covered by Washington’s Lemon Law if it was purchased or leased with a manufacturer written warranty within the last 30 months and the vehicle otherwise meets the definition of a ‘new motor vehicle’.
The following vehicles are not covered by the Lemon Law:
Motorcycles with engine displacements of less than 750 cubic centimeters;
Trucks 19,000 lbs. gross weight rating or over;
Vehicles purchased or leased (as a group or under a single contract) by a business as part of a fleet of 10 or more.
You do not have to be the original owner to request arbitration. Later owners of a vehicle may request arbitration if the vehicle was purchased or leased:
within two years of delivery to the original retail consumer and within the first 24,000 miles of operation
the vehicle meets the other eligibility requirements and
A Request For Arbitration is received by the Lemon Law Administration within 30 months of the original retail delivery date.
What is a “Lemon”?
Your vehicle may qualify as a “lemon” if it has one or more significant defects that have been subject to a “reasonable number of attempts” to diagnose or repair the problem(s) covered under the manufacturer’s warranty. The law covers only defects that “substantially impair” the use, value, or safety of the motor vehicle.
A manufacturer is required to repurchase or replace a vehicle with a ‘nonconformity’ or ‘serious safety defect’ after a “reasonable number of attempts” have occurred. A “reasonable number of attempts” are different for each claim category.
At the arbitration hearing, the arbitrator will ask you to identify the basis for your claim under the Lemon Law including the type of each defect that occurred in your vehicle and the claim categories.
You should present all Lemon Law claim categories that apply to your vehicles’ defects and warranty service history.
Types of Defects CoveredUnder the Lemon Law
The Lemon Law covers 2 types of defects. Each is defined by how dangerous a defect is and how the defect affects the vehicle’s reliability, value and general safety.
Nonconformity
A ‘nonconformity' is a defect that “substantially impairs” the use, value or safety of the motor vehicle making the vehicle unreliable, unsafe for ordinary use or diminished in resale value compared to equivalent vehicles.
Serious Safety Defect
A ‘serious safety defect’ is a life-threatening malfunction that impairs the driver’s ability to control or operate the vehicle, or creates a risk of fire or explosion.
Claim Categories Under the Lemon Law
There are 4 categories of claims that a consumer can prove at the arbitration hearing resulting in a manufacturer being required to repurchase or replace a new motor vehicle:
1. Unrepaired Nonconformity
A ‘nonconformity’ covered by a manufacturer warranty where:
The ‘nonconformity has been subject to diagnosis or repair four or more times including at least once during the period of the manufacturer’s written warranty and during the“eligibility period” (see What Is The Eligibility Period?)
The nonconformity continues to exist
The consumer sent a written request to the manufacturer asking for repurchase or replacement of the vehicle
The manufacturer failed to respond or did not reach a resolution with the consumer within 40 days.
2. Unrepaired Serious Safety Defect
A ‘serious safety defect’ covered by a manufacturer warranty where:
The ‘serious safety defect’ has been subject to diagnosis or repair two or more times including at least once during the period of the manufacturer’s written warranty and during the“eligibility period” (see What Is The Eligibility Period?)
The serious safety defect continues to exist.
The consumer sent a written request to the manufacturer asking for repurchase or replacement of the vehicle and
the manufacturer failed to respond or did not reach a resolution with the consumer within 40 days.
3. Multiple Serious Safety Defects
Two or more different ‘serious safety defects’ (whether or not repaired) covered by the manufacturer's warranty:
Occur within a twelve-month period during the first 2 years and 24,000 miles (the “eligibility period” - see What Is The Eligibility Period?)
Each ‘serious safety defect’ has been subject to diagnosis or repair one or more times at least once during the period of the applicable manufacturer’s written warranty
The consumer sent a written request to the manufacturer asking for repurchase or replacement of the vehicle and
The manufacturer failed to respond or did not reach a resolution with the consumer within 40 days.
Note: Whether or not a ‘serious safety defect’ has been repaired is not a factor for a ‘two serious safety defects’ claim.
4. Days Out of Service
Days out of service accumulated during attempts to diagnose or repair due to one or more ‘nonconformities’ or ‘serious safety defects’. The vehicle has been out of service due to diagnosis or repair:
a cumulative total of 30 or more cumulative calendar days
at least 15 days occurred during the period of the manufacturer’s written warranty and during the “eligibility period” (see What Is The Eligibility Period?)
The consumer sent a written request to the manufacturer asking for repurchase or replacement of the vehicle and
manufacturer failed to respond or did not reached a resolution with the consumer within 40 days
Note: Days out of service are included whether or not a substantial defect has been repaired.
What Is A Warranty? What Is A Manufacturer’s Written Warranty?
Generally, a warranty is an express (oral or written) or implied promise regarding the qualities or characteristics of goods or services, which is enforceable in a court of law (or in arbitration). In the context of a new motor vehicle, the term "warranty" refers to the obligations of the manufacturer or seller for defective materials or workmanship or, under implied warranties, the failure of a new motor vehicle to be ‘fit for ordinary use’ or fit for ‘reasonably intended purposes.’
"Warranty" includes express (oral or written) and implied promises and may include ‘affirmations of fact or promise’ made by the manufacturer in connection with the sale or lease of a new motor vehicle that ‘becomes part of the basis of the bargain’. This may include representations made in the owner’s manual, brochures or advertising if it was a substantial reason you selected this specific vehicle or model.
A “manufacturer’s written warranty” states the manufacturer’s obligations to a consumer if there is a defect in a new motor vehicle identified during a limited time period after the first retail sale or lease. The ‘warranty period’ usually is determined by time and/or mileage. A service contract is not a warranty because it is an agreement to make repairs rather than a guarantee of a vehicle’s quality and attributes.
A modification by a new motor vehicle dealer is covered by the manufacturer’s warranty if the dealer installs the manufacturer's authorized parts (or the manufacturer approved equivalent) and follows the manufacturer’s specifications for a specific vehicle model.
Note: A vehicle converter or modifier (which may include a dealership) is a ‘manufacturer’ under the Lemon Law in specific circumstances. A vehicle modifier is a ‘manufacturer’ with warranty responsibilities and potential Lemon Law liability if:
a vehicle has been modified in any way before you purchase/lease a new vehicle and the modification is not covered by the ‘factory’ warranty or
you requested that a dealer modify or add an ‘option’ to a new vehicle as part of your purchase or lease that turns out to be defective, is not covered by the factory warranty and the dealer did not haveyou sign a written disclosure stating that ‘the modification may void all or part of the manufacturer’s warranty and that Lemon Law remedies may not apply to the modification’.
Are All Problems Covered Under the Lemon Law?
The law does not cover problems caused by abuse or neglect, or any modifications or alterations made to a new vehicle after the original retail sale or lease. If the dealer made a proper written disclosure signed by you, the Lemon Law will not cover options or modifications you requested aspart of the purchase or lease. Consumer requested modification sometimes are not authorized by the manufacturer and may void all or part of the manufacturer’s warranty.
What is the Eligibility Period?
For a defect to be covered under the Lemon Law it must have had at least one attempt to diagnose or repair under the manufacturer’s warranty and during the Lemon Law’s “eligibility period.” If your Request For Arbitration includes a claim due to ‘days out of service’, the Lemon Law requires that at least 15 or more days must have occurred during the “eligibility period.” See Claim Categories Under The Lemon Law.
Which best describes your situation:
I'm getting an auto loan
I'm dealing with auto loan issues
Steps for getting an auto loan
Getting a new car or auto loan affects your overall money picture. Whether you’re a first-time borrower or a pro, seeing what questions to ask and steps to take can help you avoid common pitfalls, so you can drive off the lot with confidence.
1. Know before you shop for a car or auto loan
By asking questions before you shop, you’re more likely to get the best interest rates and loan terms for your budget, save yourself valuable time and money, and reduce stress.
Start by asking yourself these questions
2. See different ways to get an auto loan
When financing a new vehicle, you have options. Learn the most common ways to get an auto loan and how to compare interest rates and terms to find the best one for your budget.
Read more about the ways to finance your loan
3. Know what is negotiable
Did you know that you can negotiate the terms of your auto loan? Negotiating can save you hundreds or even thousands of dollars over the life of your loan.
Find out more about negotiating loan basics
4. Understand how to close the deal
There’s still a lot of paperwork to go over and sign. Before you drive away, make sure the paperwork matches the deal you think you are getting and that everyone has signed all the documents.
Read more about closing the deal
Have other auto loan questions?
You can search for answers to our most frequently asked auto loan questions.
Dealing with auto loan problems
Common issues
You owe more than your vehicle is worth
You can't make payments on your auto loan
You can't make payments on your auto lease
Your car was repossessed
Or, search for answers to our most frequently asked auto loan questions
Submit a complaint
Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. We'll forward your complaint to the company and work to get you a response, generally within 15 days.
What is the Lemon Law?
MotorVehicleTitle_smThe Washington State Motor Vehicle “Lemon Law” was enacted to help new vehicle owners who have substantial continuing problems with warranty repairs. The law allows the owner to request an arbitration hearing through the Lemon Law Administration of Attorney General’s Office. An owner can request arbitration under Lemon Law at any time within 30 months of the vehicle’s original retail delivery date. There will be no charge for the arbitration process. After an arbitration hearing, an arbitrator will decide whether a consumer’s claim meets the requirements under the law.
Note: The Lemon Law does not allow a consumer to stop making loan or lease payments while pursuing a Lemon Law claim.
Is Your Vehicle a Motor Home?
Downloads
Lemon Law Cars, Trucks and Motorcycle Booklet (PDF)Lemon Law Motor Home Booklet (PDF)
Request for Arbitration Form (PDF)
RCW 19.118 – The Motor Vehicle Warranties Act, generally known as the Lemon Law. Click here to see the 2009 Lemon Law revisions effective 7/26/2009.
WAC 44-10 – Lemon Law Administrative Rules, arbitration and the arbitration process.
There are additional requirements and limitations if your vehicle is a motor home. The motor home requirements are described in the Motor Home Lemon Law booklet available from the Lemon Law Administration. It is also downloadable from the Lemon Law website.
Which Vehicles Are Eligible?
The Lemon Law covers most classes of new motor vehicles including “demonstrators” originally purchased or leased at retail in Washington.
Note – Armed Forces Provision: If you are a member of the armed forces stationed or residing in Washington, a new vehicle brought with you from another state is also covered by Washington’s Lemon Law if it was purchased or leased with a manufacturer written warranty within the last 30 months and the vehicle otherwise meets the definition of a ‘new motor vehicle’.
The following vehicles are not covered by the Lemon Law:
Motorcycles with engine displacements of less than 750 cubic centimeters;
Trucks 19,000 lbs. gross weight rating or over;
Vehicles purchased or leased (as a group or under a single contract) by a business as part of a fleet of 10 or more.
You do not have to be the original owner to request arbitration. Later owners of a vehicle may request arbitration if the vehicle was purchased or leased:
within two years of delivery to the original retail consumer and within the first 24,000 miles of operation
the vehicle meets the other eligibility requirements and
A Request For Arbitration is received by the Lemon Law Administration within 30 months of the original retail delivery date.
What is a “Lemon”?
Your vehicle may qualify as a “lemon” if it has one or more significant defects that have been subject to a “reasonable number of attempts” to diagnose or repair the problem(s) covered under the manufacturer’s warranty. The law covers only defects that “substantially impair” the use, value, or safety of the motor vehicle.
A manufacturer is required to repurchase or replace a vehicle with a ‘nonconformity’ or ‘serious safety defect’ after a “reasonable number of attempts” have occurred. A “reasonable number of attempts” are different for each claim category.
At the arbitration hearing, the arbitrator will ask you to identify the basis for your claim under the Lemon Law including the type of each defect that occurred in your vehicle and the claim categories.
You should present all Lemon Law claim categories that apply to your vehicles’ defects and warranty service history.
Types of Defects CoveredUnder the Lemon Law
The Lemon Law covers 2 types of defects. Each is defined by how dangerous a defect is and how the defect affects the vehicle’s reliability, value and general safety.
Nonconformity
A ‘nonconformity' is a defect that “substantially impairs” the use, value or safety of the motor vehicle making the vehicle unreliable, unsafe for ordinary use or diminished in resale value compared to equivalent vehicles.
Serious Safety Defect
A ‘serious safety defect’ is a life-threatening malfunction that impairs the driver’s ability to control or operate the vehicle, or creates a risk of fire or explosion.
Claim Categories Under the Lemon Law
There are 4 categories of claims that a consumer can prove at the arbitration hearing resulting in a manufacturer being required to repurchase or replace a new motor vehicle:
1. Unrepaired Nonconformity
A ‘nonconformity’ covered by a manufacturer warranty where:
The ‘nonconformity has been subject to diagnosis or repair four or more times including at least once during the period of the manufacturer’s written warranty and during the“eligibility period” (see What Is The Eligibility Period?)
The nonconformity continues to exist
The consumer sent a written request to the manufacturer asking for repurchase or replacement of the vehicle
The manufacturer failed to respond or did not reach a resolution with the consumer within 40 days.
2. Unrepaired Serious Safety Defect
A ‘serious safety defect’ covered by a manufacturer warranty where:
The ‘serious safety defect’ has been subject to diagnosis or repair two or more times including at least once during the period of the manufacturer’s written warranty and during the“eligibility period” (see What Is The Eligibility Period?)
The serious safety defect continues to exist.
The consumer sent a written request to the manufacturer asking for repurchase or replacement of the vehicle and
the manufacturer failed to respond or did not reach a resolution with the consumer within 40 days.
3. Multiple Serious Safety Defects
Two or more different ‘serious safety defects’ (whether or not repaired) covered by the manufacturer's warranty:
Occur within a twelve-month period during the first 2 years and 24,000 miles (the “eligibility period” - see What Is The Eligibility Period?)
Each ‘serious safety defect’ has been subject to diagnosis or repair one or more times at least once during the period of the applicable manufacturer’s written warranty
The consumer sent a written request to the manufacturer asking for repurchase or replacement of the vehicle and
The manufacturer failed to respond or did not reach a resolution with the consumer within 40 days.
Note: Whether or not a ‘serious safety defect’ has been repaired is not a factor for a ‘two serious safety defects’ claim.
4. Days Out of Service
Days out of service accumulated during attempts to diagnose or repair due to one or more ‘nonconformities’ or ‘serious safety defects’. The vehicle has been out of service due to diagnosis or repair:
a cumulative total of 30 or more cumulative calendar days
at least 15 days occurred during the period of the manufacturer’s written warranty and during the “eligibility period” (see What Is The Eligibility Period?)
The consumer sent a written request to the manufacturer asking for repurchase or replacement of the vehicle and
manufacturer failed to respond or did not reached a resolution with the consumer within 40 days
Note: Days out of service are included whether or not a substantial defect has been repaired.
What Is A Warranty? What Is A Manufacturer’s Written Warranty?
Generally, a warranty is an express (oral or written) or implied promise regarding the qualities or characteristics of goods or services, which is enforceable in a court of law (or in arbitration). In the context of a new motor vehicle, the term "warranty" refers to the obligations of the manufacturer or seller for defective materials or workmanship or, under implied warranties, the failure of a new motor vehicle to be ‘fit for ordinary use’ or fit for ‘reasonably intended purposes.’
"Warranty" includes express (oral or written) and implied promises and may include ‘affirmations of fact or promise’ made by the manufacturer in connection with the sale or lease of a new motor vehicle that ‘becomes part of the basis of the bargain’. This may include representations made in the owner’s manual, brochures or advertising if it was a substantial reason you selected this specific vehicle or model.
A “manufacturer’s written warranty” states the manufacturer’s obligations to a consumer if there is a defect in a new motor vehicle identified during a limited time period after the first retail sale or lease. The ‘warranty period’ usually is determined by time and/or mileage. A service contract is not a warranty because it is an agreement to make repairs rather than a guarantee of a vehicle’s quality and attributes.
A modification by a new motor vehicle dealer is covered by the manufacturer’s warranty if the dealer installs the manufacturer's authorized parts (or the manufacturer approved equivalent) and follows the manufacturer’s specifications for a specific vehicle model.
Note: A vehicle converter or modifier (which may include a dealership) is a ‘manufacturer’ under the Lemon Law in specific circumstances. A vehicle modifier is a ‘manufacturer’ with warranty responsibilities and potential Lemon Law liability if:
a vehicle has been modified in any way before you purchase/lease a new vehicle and the modification is not covered by the ‘factory’ warranty or
you requested that a dealer modify or add an ‘option’ to a new vehicle as part of your purchase or lease that turns out to be defective, is not covered by the factory warranty and the dealer did not haveyou sign a written disclosure stating that ‘the modification may void all or part of the manufacturer’s warranty and that Lemon Law remedies may not apply to the modification’.
Are All Problems Covered Under the Lemon Law?
The law does not cover problems caused by abuse or neglect, or any modifications or alterations made to a new vehicle after the original retail sale or lease. If the dealer made a proper written disclosure signed by you, the Lemon Law will not cover options or modifications you requested aspart of the purchase or lease. Consumer requested modification sometimes are not authorized by the manufacturer and may void all or part of the manufacturer’s warranty.
What is the Eligibility Period?
For a defect to be covered under the Lemon Law it must have had at least one attempt to diagnose or repair under the manufacturer’s warranty and during the Lemon Law’s “eligibility period.” If your Request For Arbitration includes a claim due to ‘days out of service’, the Lemon Law requires that at least 15 or more days must have occurred during the “eligibility period.” See Claim Categories Under The Lemon Law.
التعديل الأخير: