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'm not sure the dynamics of the bank you are using, but the whole thing doesn't make sense. First, once the bank quotes you an approval for s specific deal, they can't change rates arbitrarily. Second, it is illegal in any state I've ever been in to tie the sale of a vehicle to the requirement to purchase an after-market product (warranty, GAP, accessories, etc.). So either you misunderstood what is going on, or you work with a shady bank that indulges in illegal practices, and they need to be dumped.