My co-signer ending up being the primary on my car loan. Now that makes me the co-signer. Both of our names are on the car loan. Do i have any rights to the car? can the primary take the car from me at any time?
You are best to see the answer to this question:
The dealerships do this because you probably cannot qualify for a car loan as the primary, even with a cosigner. Why in the world would you put yourself in this situation? Being that it is likely that you are both on the title, yes the primary can take that car from you.
Also they are liable for your behavior while you drive the car, or any of your friends that you willing allow to drive the car. So if you loan your car to a friend and that friend hurts someone with your car, the primary is liable to the injured party.
In short: you have a hot mess on your hands.
The second best bet is to have the car refinanced in your name only. You may want to talk to the place you do your banking to see if that is possible.
The best bet is to only buy a car that you can afford. That is only one that you can pay cash for. In order to follow this course of action, you will need to sell this car, probably kick in a $3,000 or so because it is probably worth less than you paid and you have to cover sales taxes, and buy the car that you can pay cash for.
One thing you may want to explore is if you are still in the cooling off period. Checkout this link to see if you can simply return the car. Get out of this deal, it is quite horrible.