Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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"A dealer may let you take the car before financing is approved, a method often referred to as “spot-delivery.” Beware, if the dealer cannot get the financing approved on the agreed upon terms, they may ask you to re-sign the contract for a higher rate or longer term. Arizona law provides that you may reject the change in terms and the dealership must return your trade-in to you. It may not be made clear why the dealer needs you to “re-sign” documents. Pay close attention to any change in the contract or financing terms. Arizona’s spot-delivery law may be found at A.R.S. § 44-1371"
If the dealer refuses to obey the spot delivery law, you can get a free consultation from some of the consumer protection attorneys listed by location here.
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44-1371 is posted at