Can auto dealership cancel finance contract 2 1/2 months after purchase?

We live in Utah and on February 2, 2009 purchased a vehicle from a local prominent auto dealership with a voucher from an Internet based lender. The dealer also had us execute a finance contract with them that contained terms that were identical to those associated with our voucher. We drove the vehicle off the lot... show more We live in Utah and on February 2, 2009 purchased a vehicle from a local prominent auto dealership with a voucher from an Internet based lender. The dealer also had us execute a finance contract with them that contained terms that were identical to those associated with our voucher. We drove the vehicle off the lot and have been driving it since that date, with a temporary permit issued by the dealer that had an expiration date of March 12, 2009. When that date was approaching and we still hadn't received our license plates from the State of Utah we contacted the dealer, several different times and spoke and/or left messages for different people asking why we hadn't received either our license plates or payment book etc. We were never given any answer other than they were still in the process of having our loan funded. Just two days ago we received a phone call from the dealership telling us that they were unable to get our loan funded through our voucher because they had lost their status as "an approved dealer" with this Internet lender, due to their having some kind of conflict of Interest because of their relationship with an affiliated lender. They told us we have two options: (1) to return the vehicle to them - with no charge whatsoever to us for the vehicle, or (2) to find a co-signer (with impeccable credit) to help us finance the vehicle with one of their other lenders. We really like this vehicle and want to keep it. We have a finance contract executed with the Dealership that appears, on its face, to represent a contract between us as the buyer and them as the seller (finance party) that I believe any common person who knew nothing whatsoever about our transaction would determine by reading just that one document that they (the dealership) are the party to whom we are obligated to pay - meaning that they have in fact financed our loan. We told them we are ready, willing and able to make all payments to them called for in this contract. They respond by telling us that they do not internally finance any vehicles and that the law is in their favor and have given us until this coming Monday (2 days from now) to either return the vehicle or provide a satisfactory co-signer. Are they legally obligated to finance our vehicle? - keeping in mind that it was 2 1/2 months from the date of sale until they ever notified us of a problem...
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