Your Right to Cancel a Purchase in Missouri
When you can cancel a purchase or contract in Missouri, the deadline, and what stores must tell you about refunds.
Short answer: For a home solicitation sale (a consumer credit sale where the seller personally solicits the sale at the buyer's home and the buyer agrees there), the buyer may cancel until midnight of the third business day after signing. Mo. Rev. Stat. §§ 407.700, 407.705, 407.710, 407.715, 407.720
| Right to cancel (cooling-off) | For a home solicitation sale (a consumer credit sale where the seller personally solicits the sale at the buyer's home and the buyer agrees there), the buyer may cancel until midnight of the third business day after signing. Business days exclude Saturdays, Sundays and legal holidays. Cancellation is by written notice to the seller's address; a mailed notice counts when mailed. The seller must return payments and cancelled paperwork within 10 days, and if the seller does not ask for the goods back within a reasonable time (presumed to be 20 days), the buyer may keep them. The right does not apply in certain emergency situations where the buyer asked for immediate service and the seller has substantially begun work. The Attorney General's guide also notes five days to cancel a timeshare contract and three days to cancel a travel club contract. |
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| Store refund policies | The Attorney General's consumer guide states that there is no law that requires a retailer to accept returned merchandise, and advises consumers to check a seller's refund and exchange policies before buying. |
Where to get help in Missouri
More Missouri consumer protection
- The Lemon Law in Missouri
- Filing a Consumer Complaint in Missouri
- All Missouri consumer protection rules
FAQ
Can you cancel a contract after signing it in Missouri?
For a home solicitation sale (a consumer credit sale where the seller personally solicits the sale at the buyer's home and the buyer agrees there), the buyer may cancel until midnight of the third business day after signing. Business days exclude Saturdays, Sundays and legal holidays. Cancellation is by written notice to the seller's address; a mailed notice counts when mailed. The seller must return payments and cancelled paperwork within 10 days, and if the seller does not ask for the goods back within a reasonable time (presumed to be 20 days), the buyer may keep them. The right does not apply in certain emergency situations where the buyer asked for immediate service and the seller has substantially begun work. The Attorney General's guide also notes five days to cancel a timeshare contract and three days to cancel a travel club contract.
Do stores have to give refunds in Missouri?
The Attorney General's consumer guide states that there is no law that requires a retailer to accept returned merchandise, and advises consumers to check a seller's refund and exchange policies before buying.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.