You are exactly right! I had a very difficult time financing my new 5th. I got "pre-approved" with my application then after I got to the dealership it took 3 days for them to fund it. Luckily the dealer let me stay in the unit to check everything out (we were out of state purchasing). I was on the phone everyday calling but they rarely called back. I ended up calling a supervisor who helped somewhat. My guess is that they are a very small office handling hundreds of applications and overwhelmed. Good luck, eventually they should get it done.