Let’s say you order some fancy new duds off Amazon. But when they arrive at your house, you realize they’re the wrong size or have a big hole in a seam. You can probably contact the seller and return them. Imagine you order a plate of food at a restaurant, and when it arrives it tastes disgusting. In many joints, you can tell your server you don’t want it, and you won’t get charged. So what about a new car you just bought? That may be much harder to return.

According to BankRate, once you’ve signed a contract to purchase a brand-new car, you’re probably stuck with it. The tricky part is the financing: You’ve agreed to borrow a ton of money and to pay interest on it. The financial institution doesn’t want to see you—and that interest—go away.

In return, that bank bought you a car to drive. Once the bank has officially taken ownership of that car, it is no longer a new car. It doesn’t matter if you drove it around the block and it doesn’t have a mile on the odometer. If you sell it to someone else, you’re selling it as a used car, and it’s not worth nearly what you owe the bank.

But there may be two exceptional situations in which you can “return” a car.

You may return your car if your financing falls through

Some dealerships offer “spot delivery” or “conditional financing.” This means you can apply for financing, then take a car home. When your financing options come through, you are on the hook to pick one. You do, after all, have to pay for the car you’re driving.

If you and the dealership agree on conditional financing but no financial institutions approve a loan, you’re out of luck. You’ll have to bring the car back—but you never truly owned it in the first place.

‘Lemon law’ and swapping your new car

Sometimes a car is just a “dud.” Many states have some form of “lemon law” on the books. This means you can sue a dealership if you buy a brand-new machine (such as a car) and it requires repeated repairs. This law may even apply if you don’t have a warranty or if a warranty has expired. But it depends on the state.

That said, this doesn’t mean you get to take your money back. Most lemon laws specify that the dealership can replace your dud car with a different one.

So, long story short, returning a new car is not like returning that jacket you bought on Amazon. That is why the car-buying process is so involved, with a salesperson to tell you about your options and a test drive to make sure you like your new car. Do your homework, and don’t take any car-buying decision lightly.