It depends. Sometimes dealers will let a customer take the car while they try to get the financing approved. They will have you sign a form that says if the financing is not approved, you will bring the car back or re-do the deal.
The reason they do this is to get the customer to take "mental ownership". They think that after you've had the car for a few days and shown it to your family and friends that you will pay the higher payment because you don't want to tell people you weren't approved.
The way to deal with this is to be firm. You must be willing to bring the car back and start over or else the dealer will get their way. Tell the dealer that you want the deal you agreed to or you will bring the car back.
Find out what car dealers don't want you to know at www.dealertricks.com
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