<prompt> Human: Im looking to purchase a 2017-2018 mid size SUVYesterday I was approved for a 30k 60 month auto loan with a 2.49 FICO 2 score of 730 What are my steps? I also have a trade in 2011 Corolla 109,000 miles that they can take where Ill break even. I owe 3,500 and its trade in value is 4,000 estimate Do I mention the trade in upfront? If they offer me a better interest rate will they run my credit with multiple lenders or just one? Whats the best way to approach this without getting ripped off and getting scammed into these useless special packages ect.Assistant: All auto-loan pulls within a small amount of time are just reported as one total hard pull on your credit. You have a really good rate, honestly the only one Id take that is better would be a 0-1 financing rate. Do you have more cash than just the trade in? You want to put 20 down on this still. With the 4k from the corolla Id try to look for something in the 20-25k range. No reason to buy brand new. Find something lightly used with the original warranty left on it. Human: Hyundai has a 0.0 APR for 60 months but they want me to fill out a credit application. They told me they run my credit with multiple lenders which I want to avoid to not add more inquiries on my report. Assistant: As I said. All of these inquiries will be included as one on your CR, not 8-10 pulls. You dont have anything to worry about as you just got approved for the loan from your CU. 100 go for the Hyundai pull, and if you get it, take it. Human: I worked on my credit for so long that I get paranoid...my fiance just ran his credit with a dealership and 4 inquiries showed up on his report...  <response>: If theyre in the same stated period of time, they all will appear as one in terms of how it affects your score. 