Arizona Revised Statutes

Ariz. Rev. Stat. § 44-286 (2026)

Requirements and prohibitions as to retail installment contracts

✓ current as of May 2026

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A. A retail installment contract shall be in writing, shall be signed by both the buyer and the seller and shall be completed as to all essential provisions prior to the signing of the contract by the buyer. The printed portion of the contract, other than instructions for completion, shall be in at least eight point type. The contract shall contain in a size equal to at least ten point bold type:

1. A specific statement that liability insurance coverage for bodily injury and property damage caused to others is not included, if that is the case; and

2. The following notice: "Notice to the buyer: 1. Do not sign this contract before you read it or if it contains any blank spaces. 2. You are entitled to an exact copy of the contract you sign."

B. The seller shall deliver to the buyer, or mail to him at his address shown on the contract, a copy of the contract signed by the seller. Until the seller does so, a buyer who has not received delivery of the motor vehicle shall have the right to rescind his agreement and to receive a refund of all payments made and return of all goods traded in to the seller on account of or in contemplation of the contract, or if the goods cannot be returned, the value thereof. Any acknowledgment by the buyer of delivery of a copy of the contract shall be in a size equal to at least ten point bold type, and, if contained in the contract, shall appear directly above the buyer's signature.

Notes of Decisions

Cited in 2 cases (1 in the last 5 years), 1982–2023 · leading case: Brown v. Doug Griffith Dodge City, Inc., 452 A.2d 984 (Md. Ct. Spec. App. 1982).

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Brown v. Doug Griffith Dodge City, Inc., 452 A.2d 984 (Md. Ct. Spec. App. 1982). “Those states obligating the seller to provide the buyer with a "completely filled in” copy of the agreement are: Arizona — Ariz. Rev. Stat. Ann. § 44-286 (1967); Delaware — Del.”

McDonald v. Exeter Fin. LLC (D. Ariz. 2023). “The contract later was assigned to Defendant, 8 who Plaintiff accuses of violating certain provisions of the Arizona Uniform Commercial 9 Code (“UCC”) and § 44-286 of Arizona’s Motor Vehicle Time Sales Disclosure Act, and 10 failing to submit accurate information to credit…”

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