One of the most common tactics is by not being truthful to you about your credit score. Quite commonly the “Finance Manager” will tell you that you don’t qualify for a lower interest rate. Although sometimes this may be true. More often than not they aren’t being completely honest with you. Some dealerships get paid off the interest rate they are able to sell you at. Make sure to know your credit score and trade line history before hand, or ask the finance manager to go over your credit report line by line with you. Ask the finance manager to explain why you qualify for the score you’re being offered. On the other hand, the best way to make sure your getting the absolute best interest rate is applying through Auto Loan Specialist and getting a pre-approval in hand!