Watch out. This dealership pulls your credit and then sends your information to every lender they do business with. 6 hard hits on my credit with no permission!! They had my info because I bought an equinox from them and paid cash. Any purchase over 10k they have to do a background check. The salesman asked my son if he thought I would cosign. My son said yes I would but they needed to call me. I never gave permission for my credit to be pulled but they did anyway. Have a lawyer because that is highly illegal. I have to sign a document giving permission and I did not!!