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hi,
i've been approved for a car through gm financial at a chevy dealer. the finance person i'm dealing with is worthless. i haven't signed any papers yet and i'm wondering if i can just go to a different chevy dealer and have them find my approval so i can purchase from that dealer instead or will i have to go through another check??
You might have to go through another check. But all auto related inquiries (if coded properly) will count as one for fico scoring purposes. If the dealership is fishy, I strongly suggest going elsewhere. Do NOT sign unless you're sure you want the car/terms they offer. And don't let them tell you that you *have* to sign somewhere legally. You don't!
thank you! as much as i want this vehicle, i cant stand being treated this way. its suppose to be a happy time not a pain in my rear
Yep! Also look into negotiating online. You'll usually get a better deal. Here's the guide I wrote up about it (the negotiating part is in the intro, but you may find the part on dealer participation and dealer extras in the financing section useful):
Since you know you'll be approved by the captive lender, don't worry about that. Just focus on price when negotiating online.
What car exactly are you looking to buy?
@Remember0 wrote:You might have to go through another check. But all auto related inquiries (if coded properly) will count as one for fico scoring purposes. If the dealership is fishy, I strongly suggest going elsewhere. Do NOT sign unless you're sure you want the car/terms they offer. And don't let them tell you that you *have* to sign somewhere legally. You don't!
+1. If you are uncomfortable with the situation then just walk away. Don't worry about incurring future inquiries, it's better than getting stuck with a bad deal.