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The downpayment usually determines the apr on the loan along with your FICO. If they told the bank $4k then either the dealership has their own grace period to come up with the money or they haven't actually submitted the loan yet. If they haven't submitted the loan, then negotiate the new terms based on how much you DO HAVE to put down. If they have submitted the paperwork, the dealer already ponied the $4k and you'll want to negotiate with them on how long you have to give them the money (get this is writing with appropriate signatures, not email). Some large dealers will have grace periods as long as 90 days on those loans so you'll have to sell some shit on ebay or pawn and come up with the money.
The lesson for everyone reading this thread...that's a common sales tactic...the loans are pre-approved (usually dealers open on Sunday) with the bank so they sold you a "generic" loan, then just played dumb when they asked you.
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