Replying to @Miss M Don’t be afraid to shop around for the best auto loan rate. Multiple auto loan credit pulls can show up separately on your credit report, but when they’re coded as auto loan inquiries and fall within the applicable rate shopping window, scoring models can treat them as one rate shopping event rather than separate hits to your score. Get the preapproval. Compare lenders. Let the dealership try to beat your rate. Shop for the best financing just like you shop for the best price on the car.