Of course they can--it's their car isn't it? Seriously this is a more and more widespread way of getting people to buy. The dealer can and will find the financing later. In the meantime you'll get a ton of rejection letters from banks that turned the financing down.
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Yes, generally the sales contracts are conditional on your obtaining financing. The problems begin when you do not get approved and they have already sold your trade in. A careful review of the terms and conditions on your sales form along with the Florida's UCC is necessary to determine which of the rights they ask you to wave are valid. Often when we review these we are able to find a way to resolve the situation without incurring all of the penalties associated with the agreements. In the mean time you should consider the default mileage charges that are building up on the car. One of your strongest stances is to return the car. They do not want the car back and once it was titled to you, it is now a used care and has significantly depreciated, often more then the mileage and default charged they wlll attempt to charge you.
David Goldman
Apple Law Firm PLLC
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Jacksonville, FL 32202
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