Well , glad I am not alone!  Made a deal via phone and text ( in writing) told them I am using my credit union and they said no problem. Went to pick up the car and they asked if it was okay if they try and beat my credit union rate and I said sure( dumb of me) they came back with a rate 3 times higher and said they can't honor their written price  since they are loosing money at that price . Manager said the salesman didn't have the authority to give me that price or those terms. Just stay away !