HELL YEAH IT IS!!!!!!!!! yo just go bak mine. its impossibe for u to have paper work if u havent been approved. do u have the bank contract??? yo the bank contract comes after the approval. ones u r approved they r suppose to show u the contrac and if u like wat u see numbers wise then u sign. i spoke to a friend of mine that works at a dealership and he said that dealerships do s**t like that but that its illegal. so u can fight it. yo just grab ur balls and go get ur car bro. trust me they cant stop u. just drop that car there and take urs bak. if they give u problems then call the cops and get ur lawyer ready. bro u got the upper hand right now so move quikly. trust me as long as u didnt sign any bank vontract nothing bonds u to that car,