I mean if you go to multiple lots and tell them you're interested in a car, each place runs a credit check on you. Most places don't even let you test drive the car without a credit check, insurance check and a call to the DMV and your 10th cousins best friend's girlfriends nephew's neighbor for a reference.
I've never had that happen. Any dealer that wants anything more than driver's license or insurance to test drive a car (especially credit info) will be watching me leave the lot with no sale.
As others have said: set the price then talk payment. It's nice to be able to write the check sitting in their office but not always possible. I managed it on the last one two years ago but if I had to do it again today, I'd have to set the price & call the bank.
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