Dealer won't send terms of loan/contract?

I once bought a boat from a dealer in Seattle. It was during the early '80s, when loan rates were around 20%. I found financing in NJ at 15%, so I did all the paper work by mail, until it came time to sign. Then the loan company made me fly from Oregon to NJ to sign. It turns out the loan was a Rule of 78s, which is illegal in most states. Consequently, the papers had to be signed in NJ. DON'T SIGN ANYTHING UNTIL YOU HAVE A CHANCE TO READ IT, AND PERHAPS, HAVE YOUR ATTORNEY READ IT.