If your car finance isn't approved in time in Victoria, you're generally left with a few awkward options. The dealership might hold the vehicle for a short period, but they’re under no obligation to wait indefinitely—so expect some pressure. You might need to renegotiate the terms, extend your finance application, or, worst case, lose the deal altogether. If the purchase contract is conditional on finance approval, you can usually walk away without penalty. Always check the fine print and keep your lender and dealer in the loop to avoid nasty surprises.
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