Depends on the lender, you can always pull your scores from here and bring them in. If it comes to a point where you agree on a price, then see if you can get financed and ask what your scores were and what their captive lenders require. If they come up with a score lower than you got from here, show them your FICO score reports and ask them if they have any lenders that will accept non-auto industry FICO scores.