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Do car dealers always have to pull your credit, even if you got loan approval elsewhere?

I know that car dealers will pull your credit for financing, but what if you got approved somewhere else? Will they still pull your credit?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Unless you sign a document stating that the dealer can shop for loans on your behalf, they won’t pull your credit.
It doesn’t matter whether you’ve been approved elsewhere or not until you sign the form.
Keep in mind that when you’re shopping for a
new car
, multiple hard inquiries just count as one inquiry, typically if they’re in a 14-day period.
So don’t stress if you’re shopping around for multiple quotes. It won’t impact your credit as much as you might think.”
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