Oregon Attorney General wrote:
In Oregon, you can take a new or used car home before financing is approved. This practice is called "spot delivery" and is designed to lock you in to a purchase. If you are tempted to do this, take a moment to read up on the Yo Yo Scam before you drive off the lot in a car without approved financing. There is no 3-day right of rescission for a car purchase or lease, even if you do not yet have final approval of financing. However, if you cannot get financed at the exact same terms for which you signed an agreement, or if the financing is not completed within 14 days, you must bring the car back to the dealer and the dealer must give you back your trade-in vehicle and down payment.
