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The dealer typically never signs the contract when the customer does. The dealer principal does quite often. Sorry this is not a loophole, its still a binding contract. However if you signed an open contract where it doesn't say what bank anywhere on the contract its assigned to then a very good lawyer can help you. Sometimes dealers can have you sign a contact without getting an approval from a bank first so they can leave that part out for them to hand write it in later.

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Q: If the installment contract had inadvertently not been signed by the seller and the buyer wants out after three days is this a sufficient loophole for a used car contract?
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