Hello and thank you for allowing me the opportunity to assist you.
Please note that for legal reasons my answers are only intended to be general/educational information
rather than specific legal advice
. If you need specific legal advice, then you must consult with a local attorney in your jurisdiction.
The financing is totally separate from the sale of the car, so the dealer is not really a party anymore. In any event, you can do one of two things: (1) See if the lender will allow you to cancel the financing so that you can obtain the better rate from your bank. (2) If the lender will not allow you to cancel, then see if your bank will allow you to refinance at the lower rate. Many people don't realize that car loans
can be refinanced, but they can (I've done it myself for a better rate).
Have I satisfactorily addressed your concerns? If not, then feel free to let me know, as I will be happy to clarify my answer or help with your follow-up questions. In the meantime, please remember to click the green accept button
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