If the programs changed and the lender rejected the terms, then your contracts are void. If you do not agree with the new terms, you can refuse to sign and give them the car back. A 'deal' is never truly a 'deal' until it is financed, regardless of who signed what papers.It becomes tricky if you had a trade or put money down for the car, however, you have the right to refuse the new contracts. Good Luck!