Legal Question in Consumer Law in Georgia

Read your paperwork and you will probably see that the contract is terminated if they can't get the financing. This is what you agreed to and the risk you took with your trade. Take the car back or agree to the new terms. You are paying the same anyway in the long run (or should be), so how is this a make or break issue?

Sadly, in not knowing how to finance cars, you created this problem. You should never buy a car until you have a preapproved loan from a lender. When you do the type deal you did instead, always a bad idea, when the lender turns down the loan, you either have to rework the deal or return the car. Fortunately here, the only thing you lost here was having to make the first payment earlier, so consider yourself very lucky.