Generally, if you tell someone that taking on a debt obligation is a condition of doing business with you and make representations to the effect that they will

Generally, if you tell someone that taking on a debt obligation is a condition of doing business with you and make representations to the effect that they will be able to earn enough to meet that obligation based on their projected earnings from your contractual agreement with them that would be considered an implied contract. If you then manipulate things such that they are effectively unable to meet their obligations because you are jerking them around they are certainly going to be able to find a lawyer who will take their case. Particularly if you were referring them to the auto-dealership and pre-qualifying them for financing.