My GF bought a car and they told her to bring it back?!!?

Dealers often will do what they call "spot delivery". This means that they do all of the paperwork and send the customer home in the vehicle when they don't have an approval from the bank yet. What happens then is if they need a co-signer or money down the person is likely to do whatever they have to to get the car so they can avoid the embarresment of having to return the car after they've shown it to everyone they know.