{"id":22882,"date":"2023-06-27T17:16:17","date_gmt":"2023-06-27T17:16:17","guid":{"rendered":"https:\/\/www.etags.com\/blog\/?p=22882"},"modified":"2026-01-20T11:34:20","modified_gmt":"2026-01-20T11:34:20","slug":"car-leases-in-new-york-state-protect-yourself-by-knowing-your-rights","status":"publish","type":"post","link":"https:\/\/www.etags.com\/blog\/car-leases-in-new-york-state-protect-yourself-by-knowing-your-rights\/","title":{"rendered":"Car Leases In New York State: Protect Yourself By Knowing Your Rights"},"content":{"rendered":"<p>New York State has robust laws protecting drivers who decide to lease a vehicle instead of buying it. Under the state\u2019s Motor Vehicle Retail Leasing Act, there are even extra rights to shield those that have car leases of over four months for personal use. The MVRLA\u2019s mission is to make sure you can compare lease offers from different car dealerships and that you\u2019re treated fairly throughout the entire leasing process.<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>Remember car leasing has mileage caps, so you&#8217;ll have to pay extra if you drive over the limit specified in your lease agreement<\/p><\/blockquote>\n<p><strong>The Motor Vehicle Retail Leasing Act in NY<\/strong><br \/>\nIn New York State, there are protections for before you accept the lease, during the car lease agreement, and at the time of termination. Here\u2019s what you can expect when leasing a vehicle in New York State; you have the right to:<\/p>\n<p>\u2022 Ask and get a sample of the car lease agreement before you enter the lease<br \/>\n\u2022 Get a refund if your application isn\u2019t approved and you have already made a payment before signing the lease; if not refunded on time you have the right to twice the amount<br \/>\n\u2022 A 10-day grace period on your monthly payment before the car dealer can charge you a late fee<br \/>\n\u2022 Terminate your NY car lease after 50% of the term as long as you paid all due payments, but you may be charged for the actual costs of selling the car<br \/>\n\u2022 Pay only reasonable early termination fees<br \/>\n\u2022 Dispute excess wear and tear through arbitration (no court)<\/p>\n<blockquote><p>Typically, it\u2019s more expensive to lease a vehicle than purchase it outright<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h2><strong>Early termination of your car lease<\/strong><\/h2>\n<p>If you terminate your car lease early in New York State, as mentioned above, the car dealer can still charge you for taxes and parking tickets. The dealer also has the right to have you pay the difference between your lease balance and the realized value of the vehicle, which is the wholesale price of the car, or the highest cash bid, or an appraised value determined by a third-party.<br \/>\n<a href=\"https:\/\/www.etags.com\/blog\/lost-car-title-in-new-york-state-get-a-title-replacement-online\/\">SEE ALSO: LOST CAR TITLE IN NEW YORK STATE? GET TITLE REPLACEMENT ONLINE<\/a><\/p>\n<h2><strong>Wear and tear in New York State<\/strong><\/h2>\n<p>If you return your leased vehicle once you\u2019ve satisfied the lease agreement, the car dealer can still charge you for excess damage to the vehicle. But they repair the vehicle or show you an estimate from a licensed appraiser. The car dealer must also provide you with an itemized list of the wear and tear as well as a notice of your right to get a second opinion.<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>If you terminate your lease early, the law limits how much the car dealer\/ lessor can charge you<\/p><\/blockquote>\n<h2><strong>Recovering damages and civil penalties<\/strong><\/h2>\n<p>For a second inspection, you\u2019ll have to pay it yourself. If you don\u2019t agree with the charge, you can submit the dispute to binding arbitration by the Attorney General. If the car dealer or lessor doesn\u2019t with all the MVRLA&#8217;s requirements, you\u2019re entitled to recover actual damages you\u2019ve suffered, a $100 civil penalty for any violation, and attorney fees.<\/p>\n<p>Don&#8217;t forget! Your car dealer will initially register your car in New York State, but it&#8217;s up to you to renew it every year after that. You can renew your <a href=\"https:\/\/www.etags.com\/app\/us?utm_source=social&amp;utm_id=blog_article\">New York registration online<\/a> and skip the trip to the DMV.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>New York State has robust laws protecting drivers who decide to lease a vehicle instead of buying it. Under the state\u2019s Motor Vehicle Retail Leasing Act, there are even extra&hellip;<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1592,433,46,451],"tags":[],"class_list":{"0":"post-22882","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-car-buying","7":"category-laws","8":"category-maintenance-and-care","9":"category-new-york"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.5 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Car Leases In New York State: Protect Yourself By Knowing Your Rights | eTags - Vehicle Registration &amp; Title Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.etags.com\/blog\/car-leases-in-new-york-state-protect-yourself-by-knowing-your-rights\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Leases In New York State: Protect Yourself By Knowing Your Rights\" \/>\n<meta property=\"og:description\" content=\"New York State has robust laws protecting drivers who decide to lease a vehicle instead of buying it. 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