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.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.