Yes I was asking a lot of questions!! The car I purchased only had 2K in rebates in March from Chrysler but the dealer I purchased from was vey agressive in their pricing. The pruchase price before D&H(garbage I know), tax, reg, gap ins was 6000 below sticker(actual MSRP not marked up for regional adj and other stuff) . Negative equity was 3K. I only had to supply my driver license, proof of insurance and thats it. No pay stubs ect. I brought in the pre-approval e-mail but it was not necessary as the pre-apporoval gets sent to each dealer but I would bring it in anyway. I know you are playing into dealer hands by doing so but in my case it worked for the better since I found a great dealership to work with.
I sent Chrysler pre-approvals to 2 other dealerships and they would not disclose the int rate to me until ready to purchase. They told me it was marketing gimmick; I guess 2 HP's is a gimmick. Once you decide you would like to purchase a Chrysler product, you can do the pre-approval on-line at Chrysler capital . Just be sure to do as many as you want within 7 days and they will use the same HP from Equifax for all the pre-approvals. I did not and that was the only mistake I made, I did the other 2 about 10 days later even though it is only 1 inq in the eyes of the bureau's.
One small note in general. Good car salesmen(there a few out there like anything else) work hard for your business IMO. I drove my salesman over to a gas punp down the street from the dealership I purchased from and he was the one who filled the purchased car with gas on a stormy night.
