<prompt> Human: Hello reddit! So heres the deal my wife had just purchased a car three weeks ago for 3.0 apr for 72 months. A week later we get called over to the dealership because something went wrong with the numbers between the bank and the dealership so they dropped the price of the car and raised the apr to 4.5 to keep the car payments the same. Now they call us again saying theres something wrong with the finances again. We dont know the details but we are assuming its the same problem. What are our options? Do we just keep refinancing at the mercy of the dealership? My wife says she just wants to give the car back to the dealership but I dont think we can seeing as we live in California and they dont have a cool off period.  <response>: Stop messing with these clowns and go to a credit union and get your own loan. They are trying to confuse you and make more money off you. 