"4"^^ . "0"^^ . "2015-03-12T00:00:00"^^ . "2"^^ . . . "12"^^ . "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.\n\nNope, just canned \"We have several vehicles available. For your convenience (you mean YOUR convenience, lazy saleswoman?), please complete the online credit application.\""^^ . .