Some places will allow you a bit of wiggle room given how things could change at the dealership (negotiation, sales that just started or ended, etc.) For example, I applied for $15,000 with Alliant and they approved me for $15,000 but said they could go up to 90% of the clean retail value on nada.com or 90% of the sales price before taxes and fees are added, whichever is less - Since the former was $20,525, they would be willing to loan up to $18,472.50. I ended up needing $15,893 since I overestimated how much I'd be able to negotiate off at the dealership.
That said, this was my first auto loan and I'm unsure how many other places have that rule, so you may want to check first.
