can i return my vehicle back to the dealer if im having problems with the bank financing my vehicle?

Answer 1

Generally, a dealer will not close a deal with you unless your financing is secured from you bank. Technically, until you pay off the bank, the bank actually owns your vehicle. If you placed a deposit on the car which he accepted and now are trying to obtain financing (personal loan, not auto loan), I do not believe that you can return the car. Obviously, if you cannot make payments, it will be repossessed.

However, it is in your best interest and for your credit rating to speak to the dealer and see if something can be worked out. Perhaps you can receive financing (albeit at a higher APR) through the dealer.