I could have waited the single day. There were some words crossed with myself and the loan officer I was working with. I was told I could only receive by check and I assumed and asked if they could simply deposit in my account with them so I could do a Cashier's Check. When the option was there to just settle that night instead of going back and forth I decided to do that. The next day when I called I found out they could have actually deposited it straight in my account.
The contract has "Ownership and Risk of Loss. You agree to pay us all that you owe under this Agreement even if the Collateral is damaged." I guess the real question is would these Terms go into effect once I have used the check to buy the car or once I have signed the agreement? It does not explicitly state it anywhere on the contract when it does.
Other contract part I think may apply "Integration and Severability. This agreement contains the entire agreement between you and us. If any part of this agreement is invalid, all other parts of the agreement will remain valid"
The Documentary State Tax was listed on the contract as going to the state. There is no reference in the contract to 10 days interest, or any other interest aside from the accrual of Contract Rate starting once "all title requirements have been met and funding occurs for the purchase"
EDIT: I see what you meant about the last part Documentation Stamp on Title. The contract was signed with the charges already there in anticipation of me using their check.