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Happen to me when I was 18 buying my first car. Ended up have a lawyer scare the crap out of them. Ending up getting the car with a 5.0 apr right before the market took a dump.
If any dealer tried to pull that stunt on me, I'd gladly tell them I'll stop by the next day after I provide taxi service for all my friends. Then drop off the car and leave.
Last time I bought a car from one I didn't even bother with their financing. Once I negotiated a price and he asked about financing I just asked to use his computer. Logged into Penfed.org and got approved for the entire amount in 10 minutes.
They still wanted me to talk to their financing department because "maybe they could get me a better rate." I laughed.
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