No--it is not too early-actually its getting late and leads one to suspect the dealer lacks clean title to convey to you. OUCH
Is this a used car?
Its hard to guess if this is a mere SNAFU or you are getting scammed. I would ask dealer to provide me a fuller insured properly licensed "loaner" until such time as they can deliver valid title and NOT return the car I bought so they can hold it hostage. If the dealer is unwilling to supply a loaner until dealer sorts out its problems I'd strongly think along lines of this is a scam and dealer lacks good title
I don't know if you can stop paying lender as if its an independent lender the lender may be protected against not being paid due to seller problems by what is known as the holder in due course doctrine