When you signed your contract, there was fine print saying that the contract was only valid if the financing was approved, so the dealership has the right to demand that you bring back the car or pay the difference. Often a dealership will assume that a bank will give you a loan, then for whatever reason the bank refuses the loan.The real problem is that they have already sold your car. You need to sit down (in person) with the finance manager of the dealership and work something out. Obviously paying $4,000 more is not an option, so try to explain to them that the vehicle already has 1,000 miles on it. If the finance manager is unable to help, ask to speak to the general manager. The key here is trying to convince them to help you out, so be nice to them and ask for help. Some negotiation points: They can give you more for your tradeThey can sell you the Fit for less moneyThey can work harder to get the bank to finance youIf talking to them gets you no where, you're out of luck unless they can find a less expensive Fit to sell you. You can also try to get the vehicle financed on your own with a local credit union or your own personal bank.