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When I go to pick up a car from a dealer, I bring a Cashiers check (aka Bank or Tellers check) for the exact amount of the purchase. With a cashier check, if the fund are coming from your account, the bank takes the fund from you account when they write the check and from that point the bank is willing to guarantee the check. This is what every car dealer I have ever dealt with wanted from me when I picked up the car.
If you go with a personal check, then I can totally understand the dealer telling you you can't have the car until your personal check clears...but having you fill out their loan application "in case my checks didn't go through" sounds very shady to me. I would never have done it.
I would definitely give them feedback on what happened via the survey.
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