Legal Question in Consumer Law in Pennsylvania

getting a down payment back from auto dealer

My husband signed a buyer's agreement with a salesperson and gave him a postdated check to hold in case financing was approved. The dealership insisted that my name be on the loan also.When we went in, they wanted 3,000 more down, which we didn't have. The finance person tried to talk us into working out something with the dealership where they would put in some of it. We did not want to do this and in fact became angry (it was the way their fin guy was explaining everything) and asked for our check back. He instead called in an office manager, who also would not give us back our check because he wanted to talk to the general manager to work out a deal. We walked out. They cashed our check 2 days early . it would have bounced except I noticed it pending and borrowed money from my parents so i wouldn't get fees (as I had 3 other items pending). I called and complained and said we wanted our money back and he was very rude and said that my husband had to come in and talk to him first and to get the money. My husband was very angry and doesn't want to go there. I believe we have a legal right to not go through with the financing that they offered and they should refund the money without us having to go up there. What is our recourse?

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