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1) This sounds like what is called "yo-yo lending" and it is an unfair and deceptive business practice in CA. While it is possible that they transfered your loan to a bank and the bank will give you a better rate, chances are that once you get there you will find the rate has been increased or something has been increased in the deal or they want a larger down payment. Legally you do not have to agree to the contract when you do speak with them.
2) While you legally do not have to agree to the change in contract and they cannot force you to do so, you still have a binding contract and they can still continue to enforce that contract and the only way out of the lease (absent a cancellation clause in the lease) would be a mutual agreement with the dealer to allow you out of the lease and terminate the contract.
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