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What has happened, and this happens a lot! is that the dealer told you that you were approved and they let you take the car. In reality, they did not have an approval for your transaction and are now trying to get you qualified for a different loan. THis is very unscrupulous but as far as the dealer is concerned, you signed a piece of paper that says if they cannot finance you then you pay XX per mile on the car even if you return it. Report them to the state dealer licensing board.

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Q: Can a car dealership request more money down after deal is signed for?
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