Boy, everyone's all over the board on this one.
I think you should talk with a Washington State atty who understands vehicle contract law.
"...All the while I am paying on the loan I took out and have not gotten delivery..." Doesn't seem to me that the agreement is complete. Until you take delivery there is no compensation or receipt of goods for something you paid for.
This is a one sided transaction. If you pay for something you have to receive something in return, no delivery, the contract has not yet been fulfilled.
