Read the VPA very carefully front and back. There may be an out for late delivery or failure to finance timely.
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Many of these purchase agreements provide for liquidated damages in the amount of the deposit. Check your contract out carefully to see what it says. It may be that, if you cancel, there will be no repercussions other than the forfeiture of that deposit. I am not sure how to reconcile your statement that your deposit was only $200 but the minimum deposit is $500; perhaps they'll want you to pay another $300. Unless you signed a loan agreement with Chase, you should not be responsible for payments. I suggest that you contact the dealership and explain that you are unable to take delivery and ask what your options are. If they demand that you go through with it, then you may want to check w/ a NY attorney.