Car loan

I just wrote a lengthy response and then avvo ate it - so I'll summarize!

Buyer beware! Purchasing an auto can be a complicated and frustrating experience -- during law school I had an experience similar to yours that involved nearly a day of being held hostage at an auto dealership, a number of misrepresentations by the dealer, and a mountain of frustration. Try to prevent problems like this in the future by selecting dealers with a reputation for not giving customers the runaround -- ask friends and family who they've had good and bad experiences with, and try to work with the more reputable dealers.

In your case, it's tough to tell whether the contract was properly formed, or whether you changed your mind prior to the contract formation. Speaking with a local attorney for a consultation would help answer that question. If you changed your mind after the contract was properly formed, it's more difficult to avoid your obligations, since individuals are expected to read and understand the contracts they enter into. If you changed your mind prior to formation of a contract but then assented to the contract under duress -- if you were forced into it because the dealer withheld your keys -- you may have different arguments for avoiding the contract. Try to find a local attorney who can do a free or low-cost consultation, and they can examine the specific facts in your case and help you plot a course for resolving this matter.