Well , I know this is last year model and all and that may change the situation . I walked in my dealership Oct of 2021 and they ran my credit and got locked in at 0% thru Chrysler at time of order . I didn’t have to do anything else . No bank statements or pay stubs or anything . To each their own on opinions on credit check I guess . I had to put down 500 and had the option to have them return it by a check when car arrived 4 months later and that’s what I did .