The Better Business Bureau offers the following general advise when purchasing a vehicle. When you purchase a vehicle using 'on the spot delivery and financing', you are are not approved for the loan until the lending institution has reviewed your credit and deem you credit worthy. In many cases this can take several days. You should understand that when driving the vehicle from the dealership, it is considered a 'loaner' until your financing has received 'FINAL' approval. If your loan is declined, the dealership may try to get you to sign a new contract which may increase your monthly payment, length of loan, and interest rate - YOU HAVE THE OPTION TO NOT SIGN ANOTHER CONTRACT. Always understand additional products you are purchasing such as credit/life/disability and GAP insurance. THESE ARE NOT REQUIRED BY ANY LENDING INSTITUTION IN ORDER TO RECEIVE FINANCING.