If you have good credit you can get approved 24 hours a day 7 days a week, it is all automated nowadays.

The dealer will work on your loan and let you know this week what they found out, this is pretty standard, just give them a few days to work on it.

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If the bank hasn't given a formal "approval" on credit then the terms of the contract are null and void until the bank accepts and approves the loan. You can actually return the car at anytime until the bank accepts your contract but you may not be able to get your old car back if they "grounded" the car, meaning if they told the leasing company you car has been returned and they removed the registration off the car. Basically they will put up a very biug fight, but until the contract is accepted and approved by the bank the contract can be voided.

And as long as you don't sign a new one, you can take the new car back, demand your old one and ALL the money you put down. They have to give you the car and money. If they don't you can get the local police involved since they are, in essence, stealing your car.

You should also file a complaint against them with the DMV. And call all your local TV stations and newspapers that have consumer reporters. Ask them investigate this dealership.

NOTE: You signed a contract that was NOT honored. That contract is void and uneforceable. The car you traded is still your car. The new car they shoved you into is THEIR car. You are not under any obligation what-so-ever to sign a new contract at different rates.

They have to unwind the deal and sell that car as an unwind if it has less than 400 miles on it. If it has 400 miles or more, they must sell it as a used car, even though it's never been registered. Either way, a dealer hates to do this because of all the paperwork that must be done and the loss they'll take on the car you're turning back in. And the salesman will be charged-back the commission he made off you.

But all this is THEIR fault and their problem since they pushed you into a new car without getting prior approval. And if they already resold your trade-in, they must reimburse you the FULL AMOUNT they gave you for it. And you can press charges against them for selling a car that was NOT theirs.

You have the law on your side. They have to give you back your old car, take back their new car and give back ALL the money you put down on it. If they don't, go to the police, then file a complaint in Small Claims Court, if the total amount of your down and trade-in is $5000 or less. If it's more, hire a lawyer and file against them in Superior Court. And be sure to file a complaint with the DMV too.