It's typical to see a dealer first pull your credit in order to view your history/scores in order to determine the best finance companies for your situation. One would hope you don't get submitted to all 12 lender's, although you could be. More than likely if scores are good, and the F&I manager is competent, you will see just a few lender's pull your credit in which he/she see's best fit to give you the best APR/terms.
