Yes you'll know the lender. Yes the finance manager should try to get the deal purchased through the lender they told you it would be. No it should not take a whole month that is an abnormally long time. If the lender doesn't agree the finance manager (or possibly a Desk Manager or General Sales Manager or General Manger may help in a bind) the dealership may work on getting the deal bought through one of dozens of other lenders to try to get the same terms for the customer. They'll work to find the best deal they can get bought because they don't want the deal to unwind. Sometimes they have to re sign the customer at a slightly higher rate, sometimes (rarely) they find an even better rate. A week would not be unusual but a month is so if that's what happened here I'm thinking someone dropped the ball at some point. Sure you signed a contract but does that contract show a 0 balance or does it show a balance due? Does anything that was signed say say the agreement is subject to finance approval? If you finance a car you don't own the car the finance company does. If the finance company doesn't buy the contract in the first place the dealership still owns the car. To keep the car in this situation you're going to need to stroke a big check. Its not in the dealerships best interest to let people drive their cars for free so when they let someone take delivery of the car they want to hold the deal together and it almost always does. Their under pressure to sell a lot of cars and sometimes they take some chances and sometimes they make mistakes. I'm not saying its right its just how it is.
