[Seawolf]

Originally Posted by M12LRV

I don't want to shop around at banks because they will pull my credit, and lower it and I don't have a credit union.

I would not worry so much about multiple inquiries lowering your credit. The way it works is that if you have a bunch of credit checks from multiple banks or credit unions for a car loan within a given time of each other, they all kind of roll into one. What I mean by that is that if you have 10 credit checks from different banks all within the same week, let's say, then it will not impact your credit any more than one check would have. It's done this way so that you don't "shotgun" your credit when shopping for rates.