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Can a car dealer tell me my APR before I actually apply for financing?
Can a dealer give me an estimate of my APR? I don't want to rack up hard inquiries when applying for a car loan. However, I do what to get a rough estimate of what my interest rate and payments might be like.
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The
dealer
should be able to give you a ballpark of what your interest rate and monthly payment might be if you provide truthful statements about your:- credit score
- income
- current debt
Keep in mind this estimate it’s not written in stone.
Your best plan might be to get preapproval from a lender, as they may only do a soft inquiry on your credit report at first. This means your
credit score
won’t drop as much.Ask about preapproval and you may get the answers you need.”
View full answer
- Gregory R.
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