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3. They’ll Put Blame on The Lender More Times than Not When the dealership runs your credit and attempts to get you a loan at a lower interest rate and it turns out that they couldn’t get you an interest rate as low as hoped, they won’t take the blame themselves. They will push it on the lender. The thing about auto dealerships is that they don’t want you to think they are keeping you from getting into your dream car. They will also try to force various add-ons saying they are required by the bank. Contact the bank directly before agreeing to any of these.