[CBRTurbo]

If you are worried about what 1 inquiry will do to your credit score you probably should not be buying a $100k car.

When I bought my 2019 Redeye at 1500 below invoice, the deal was done over the phone. They pulled my credit and took a $1k deposit after they ran the credit. This is very normal.

The most important part of them wanting the credit pull is that they are afraid to put a $100k car into inventory. If they were sure they could sell it easily, then they wouldn't care one bit about your credit score. This tells you what the dealers are thinking about their ability to sell these cars if they are in inventory in a few months.

 

[CBRTurbo]

Total nonsense. Hard pull will certainly lower your credit score and potentially raise your interest rate regardless of your income (which is, by the way, not reflected by your credit score). So the OP has a valid concern, especially if he ends up buying/financing from someone else.

By what? 3 points? Rubbish. My original point stands. If you are worried about 1 silly credit pull, you should NOT be in the market for a 100k car.