No, its not intrinsically linked.
The finance and the car are co-dependent. The finance contract solely exists for payment for the provision of a car, the car (will) only exist as provision of goods subject to agreed payment (the finance contract).
I’m not saying that the OP can cancel whenever he likes and not have to pay.
If I was providing bespoke cabinets and the finance for them this is how I would go about it.
Customer order request.
Agree design.
Agree finance agreement.
Provide customer with finance agreement.
Provide customer with contractual terms and conditions (cancellation policy).
Get both signed.
Wait 14 days for finance cooling off period.
Purchase materials and start build.
If at that point the customer wanted to cancel it would be under the terms and conditions within the contract.
If they cancelled before I’m not out of pocket.
There’s a reason for 14 day cooling off periods. This thread is an example of why they exist.