<prompt> Human: The dealership did a credit check on me and came back with a 3.84 APR for my car loan. We signed the contract for the loan electronically and they gave me a print out of the contract. The contract says its for 3.84 with Toyotas financing. Today the finance lady called me back and said I need to come back in and resign the contract and this place is located over an hour away from where I live because Toyota is not honoring the 3.84 that I signed on. They need to go with Wells Fargo now because Toyota is changing the to 4.9. I asked her how can this be if I already signed the contract for the 3.84. And she just said sometimes these things happen. Well, thats not a very good explanation.Can they change the terms of the loan after Ive already signed? I just read all the small print and dont see anywhere that is says they can do this.The only thing Ive seen that has to do with changing the loan says:11. Changes In This Contract Any change in the terms of this contract must be in writing and signed by the Creditor. No oral changes are binding.Im really not sure what to do at this point. Im a nervous wreck. When I was on the phone with her she was very pushy and I asked can she just mail me or fax me the forms to sign and she said no I need to sign in person. She just kept asking me when can I come back. My bf was with me when I bought the car and was handling negotiating and talking to them for me. I know that they know that he is leaving today to go back to CA for a few months and Im wondering if they are trying to take advantage of the fact that if I come back I will not understand 100.Sorry, for the wall of text. Edit:I just found this on another page:If you are financing the car and the dealer intends to transfer your financing to a finance provider such as a bank, credit union, or other lender, your vehicle purchase depends on the finance providers approval of your proposed retail installment sales contract. If your retail installment sales contract is approved without a change that increases the cost or risk to you or the dealer , your purchase can not be cancelled. If your retail installment sales contract is not approved the dealer will notify you verbally or in writing. You can then decide to pay for the vehicle in some other way or you or the dealer can cancel your purchase.So since the APR would go up unless I go through the bank they chose I can cancel right?Edit 2:Someone wrecked into the front of my car while it was parked at work. So...I guess I will not be returning it.Thanks for all the advice.Assistant: This is legit. They put you in the car before the deal was done hoping you would fall in love with it and do anything to keep it. Once they got approval from the lender, they decided to call you back with different terms. They either 1. didnt finalize the loan and determined they could get more money out of you, or 2. the bank wouldnt approve the original amount quoted by the dealer. The original pre-approval amount can differ from the final approval amount, it was the dealers guess. Car dealerships are also allowed to up-sell you 2 on interested rate. So, if the bank approved you at 3.84 the dealer can tell you they approved you at up to 5.84 in most places in the US this is legal and you would never know unless you asked to see the terms of the deal from the bank. The additional 2 is called points, they may want you to come in because they are trying to sell you on some points after the Manager might have determined they didnt sell you on enough. Always ask to see the terms from the bank and how many points are on there. A legit dealer will showtell you while shysters will try to hide it and play stupid. If a dealer refuses to show or acknowledge the points they are selling then walk away. Either way I think you are getting screwed. I would tell them if they cant get the deal done at the terms you originally agreed to then they need to come pickup the car they put you in and return any money you gave them as well as return your trade in if you had one. Either they will get the deal done at what you signed for because not doing so would be a hassle or you are put in your original position and can go find a new car elsewhere. My recommendation, get a loan through a credit union ahead of time so you know what the terms are and then go find a car using your own credit unions financing. You can for sure sign forms via mail. I have done it. I purchased a vehicle over the phone and did all paperwork by mail from a giant, legit dealer. They want you to come back in so a sales person can hard sell you in person as it is more likely to work. If they tell you they already sold your trade then they are either lying or trying to strong arm you. By law they cannot sell your trade until your deal is 100 complete. If they did then contact your local new stations that do consumer investigations into shady practices. source: I used to sell cars. TL:DR; you have the power to fix this, dont cave and stand your ground. They are taking advantage of you. Human: Do you think I would be able to get a full refund back? Or would I have to pay fees? And would this mess up my credit? I got a loan through my bank for 3.9. Would I be able to go back up there and say screw their loan and go with my bank instead? I will 100 return the car because these guys have done some really weird stuff...like bringg out a print out of a fake Google search showing one of the cars I was looking at was suspected of fraud. And it was just a header that said it was from lemoncar.online  <response>: This should not mess up your credit. You should be able to return the car for a full, complete refund. 