And this is how we got the real estate crash...
A friend of mine is a loan officer and I heard a LOT about this type of thing happening which is why people got loans that they couldn't really afford, or houses that they couldn't sell when their incomer changed for the worse.
On to the OP, I would totally take the truck back and make the dealership eat the loss. In this case you can afford the car, but what about the person who can't and they fudge their numbers?
BCD
I think a lot of you folks are on the same page as I am on this. A person that really needs the vehicle will be glad they fudged the numbers. Then when they can't make the payments it gets repossessed, they lose all the money they made in payments and on top of that they get a judgement against them for the difference as to what the dealer sold it to them for and what the dealer got out of a repossession auction. And on top of that they are out every payment, deposit and accessory they added to the vehicle.
Now the person that got the vehicle has a repossession, a judgement and late payments on their credit and they have lost all the money they couldn't afford in the first place and they have NO CAR. What they did if they get away with it will only hurt others that really can't afford what they are getting into.
I am VERY UPSET they cheated supposedly on my behalf. If you look at it another way, they LIED TO GET A SALE and show the manufacturer they are selling trucks. AND the salesman and others get their commissions.
If I ask the credit union to decline the deal, I think they will have to pay me for the extra parts I bought for it. A tonneau cover and chrome side trim. And they will have to now sell the truck as used and take a 10 grand hit.
I have emailed two lawyers. I will wait till one calls me on Monday. However I think I know my plan of action. As I said, it is not like I needed it. I wanted it.
I want to thank everyone that replied and who might reply. As I said in the beginning, I know it is absolutely my choice. Not many are in a position to be able to walk away from a sale of this magnitude because they are desperate. Dealers do NOT have the right to commit FRAUD in order to sell vehicles. I am just glad I was reading what they were having me sign instead of the blind robot signs that probably a lot of folks do when excited to have a brand new vehicle.
I did fail to mention one thing. This would have been my very first brand new vehicle I have ever had in my life. I thought I should be allowed a little luxury. I do know there are many many brand new vehicles out there and another one will be made for 2018.