[SquidG80]

When I initially approached the dealer to buy the car he 'ran the numbers' at the current BMW finance offer APR +1% (I think it was 1.99% so he ran them at 2.99%)

When I questioned it he said that they do this until a hard pull credit check is completed and then will adjust the numbers as necessary - if you have good credit the APR comes down.

As the credit checks are only good for 60 days and my car is waaaayyyyyyy off in the distance I didn't want to ding my credit now and then have them do it again closer to the time and show i've had a previous ding (by the dealer...), which drops my score and so raises the APR!

I'm only doing a partial finance so 1% has minor implications for me, but if I was financing the whole car it would concern me.