You should insist that the salesperson include all of his or her promises in the written contract, or don’t sign the contract! Spoken promises made by a salesperson when you are signing a contract are generally not enforced, and are very difficult to prove in court. For example, a salesperson may tell you that the interest rate will go down after you have made twelve on-time payments. If the written contract doesn’t say this, then it is not part of the contract and is not enforced in court.

When you have a dispute about a contract, the written contract will be the best proof of what you agreed to. The promises of a salesperson that don’t agree with what the written contract says will generally not be admissible in court. Never rely on spoken promises when you are signing a written contract!