Vehicle Financing Terms Not As Agreed - Can I Get Them to Fix It

[tk3]

My question involves an auto loan in the State of: Washington

I just bought a new car and the dealer set up financing on it. I've just looked at my copy of the signed documents in the envelope I was given and the financing installments document does not match what I was promised. I also didn't sign this document but my signature is on it through carbon copy. This is a very long piece of paper and what I signed as nothing like it. There's a paragraph in it that is similar to a paper I signed but what I signed didn't have the "NO COOLING OFF PERIOD" text nor did it have the details of the installment. It seems like they were hiding the full financing details under another sheet as a mock carbon copy.

The installment sheet is missing some discounts I was promised. It has the rebate but I was also supposed to have invoice pricing but it has the MSRP. The installments are also $70 higher per month than what I was promised though the noted down payment is $1000 less than what I agreed to put down.

I haven't actually given them the down payment yet so I assume that means they haven't applied for the financing yet to the financial institution yet. Can I still get them to give me what they originally promised and get them to use MY financial institution instead of their bank for financing? I never signed this paper as it was but the signature appears to be copied through by carbon copy so it looks like I did.

Can I be held to this since the financing hasn't gone through yet? If I refuse to give the downpayment can I force the financing to fall through and thus invalidate the installment paper without consequence and force them to rewrite it?
This is my first time buying a car from a dealership.

[Mr. Knowitall]

You can go to the dealership and see if they'll let you look at the original contract or make you a copy. My guess is that your carbon copy is exactly the same as their copy. Besides, if the original is more to your favor that's the one that counts.

Why do you think there would be "cooling off period" language in an auto sales contract, signed at a dealership? There's no cooling off period.

You are free to discuss the discrepancies between what you agreed and what ended up in the contract with the dealership, and to see what they will do in response.

If in fact your original signature is on a contract that is consistent with what you negotiated, you can enforce that contract. If, as I expect, the contract is the same as your copy, you could try to dispute the terms based upon your claim that they are different from the terms you thought you were accepting, but that's usually a difficult argument to prove in court.

I cannot read the terms of your contract in relation to financing, or what might happen if financing does not go through, so I am not going to speculate as to their possible effect on the transaction.