I don't understand why the finance dept can't take a look at your situation and give you a ballpark estimate of things. I mean, they go through hundreds of people a month; they must know about what interest rate people with X credit score get approved for. Hell, half my situation was a yes-or-no question.
Nope, just canned "We have several vehicles available. For your convenience (you mean YOUR convenience, lazy saleswoman?), please complete the online credit application."