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Was the $100 a nonrefundable deposit? Yon have to be careful about giving anyone including a car dealer any money prior to executing the purchase. They will try and get you to give a deposit, to hold the car, which is often not refundable unless they can not get you approved for a loan. This doesn't mean if you don't like the terms which may bring interest rates of 20 or more percent. This means that no one that they deal with will lend you the money.

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Q: Can dealership keep 100 dollars of your money because you changed your mind if you never took possession of car?
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