Do I have to fill out a credit application to buy a car if I already have financing?

Can a dealership force me to fill out an application if I already have financing through my credit union? I went to the dealership to buy a car after getting approval from my credit union. The salesman said that I still have to fill out a credit application to buy the car even though I am not financing through the dealership.

Answer provided by
Johnny Puckett
Answered on Jul 07, 2021
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.
“A lot of dealerships require a credit application to prove your identity so that they don’t get caught up in a check fraud scheme.
If you don’t want to fill out a credit application to buy a new car, you could try somewhere else or maybe ask them to call you to pick up the car when the check clears.
Know that multiple credit applications in a 14-day period don’t affect your credit too much. If it’s been more than 14 days since you applied for financing through your credit union, applying through the dealership will affect your credit score more severely.”

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