At my credit union I've always been given a check to use for the car of my choice. I go in and apply for the loan and they print me out the check good for up-to whatever I asked for and a contract that says that using the check will open a loan for whatever terms we agreed to. I think that the checks are good for something like 30 days with the option to just go get another when one expires. I've gotten the check before I've decided on the car (and I've also gotten the check and ended up tearing it up). See if you can work something like that out. My plan is to get one of these checks a couple of weeks before I expect my car to arrive.