State Law Guide - Updated January 2026
New Jersey Lease Return Dispute Rights
Under New Jersey Consumer Fraud Act, New Jersey gives you the right to cancel and receive refunds on F&I products.
Quick Answer
In New Jersey, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $5,000.
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Key New Jersey Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Consumer Fraud Act | Applies | Can sue for treble damages if lessor commits fraud |
| Reasonable Standards | Required | Wear standards must be objectively reasonable |
| Credit Card Test | Industry standard | Sub-2" damage is normal wear |
| Independent Appraisal | Your right | Can obtain independent professional appraisal |
| Treble Damages | For CFA violations | May recover 3x damages for fraud |
Consumer Fraud Act
AppliesReasonable Standards
RequiredCredit Card Test
Industry standardIndependent Appraisal
Your rightTreble Damages
For CFA violationsWhat New Jersey Law Requires
Your Cancellation Rights
Under New Jersey Consumer Fraud Act, New Jersey consumers have the right to cancel F&I products purchased from dealers.After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Special New Jersey Provision
Treble damages for CFA violations
Get a Demand Letter That Cites New Jersey Law
Our tool generates a formal lease return dispute letter citing New Jersey Consumer Fraud Act and state-specific provisions for maximum leverage.
Dispute Letter
Cites Regulation M & OEM guides
Credit Card Test Analysis
Industry-standard defense
Documented Savings
Average $1,200 disputed
$29 - Avg New Jersey refund: $1,900 - Potential 65x return
Frequently Asked Questions
What is the NJ Consumer Fraud Act?
The New Jersey Consumer Fraud Act (CFA) prohibits deceptive practices in consumer transactions. If a lessor engages in fraud regarding excess wear charges, you may be entitled to treble (3x) damages.
How do I dispute lease charges in New Jersey?
Send a written dispute to the lessor within 30 days. Reference specific charges, cite federal Regulation M and the Credit Card Test, and request an independent appraisal if the charges seem excessive.
What qualifies as normal wear in New Jersey?
Under federal law and industry standards, normal wear includes minor scratches under 2 inches, light interior wear, small dents that pass the Credit Card Test, and expected tire wear.
Where do I complain about unfair lease charges in NJ?
File complaints with the New Jersey Division of Consumer Affairs or the New Jersey Attorney General's Consumer Protection office.
New Jersey Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
See how New Jersey's laws compare to other states:
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Based on New Jersey Consumer Fraud Act