In all my dealings with cars and dealerships I have never experienced a dealer that "wants to help the buyer". When I bought my current ram, after all the negotiations for price were done (I won't discuss monthly payments with them until until I get the actual $ amount settled to where I want it) they come back with the financing offer of 7.99%. They assure me that's the best my credit score will get me anywhere, so I told them no thanks, I'll get my own financing, magically 2 mins later they come back and say 2.49%, I told them I think I can do better, plus im not happy about the tires on the truck as I hunt and don't want to buy a new truck just to have to go buy off road tires immediately after. They agree to cut me a check for $1000 to buy new tires, on top of the lower interest, and the deal we agreed to earlier... And I probably still got screwed somehow. These dealers make plenty off selling cars, they are definitely not in the business of helping people and will take advantage of people's lack of knowledge without losing any sleep. If they were all about helping people there wouldn't be as many dealerships as there are and they wouldn't have millions in inventory sitting on their lots.
To the OP, I don't know what to tell you to do, I can only say go with what you are comfortable with, if you prefer the original agreement then stick with it, I'm pretty sure they can't back out of it now, if not take the new deal and hope to refi on your own. Or take it back tell them you don't agree to the new terms and want out, chalk it up as a learning experience and go to another dealer and start from scratch. Maybe they will even sweeten the new deal if you tell them you are planning to walk, the way I see it they are the ones who are stuck, it's probably in their best interest to get you a deal your happy with. I'm sure they can probably even lower that rate.
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