<prompt> Human: This makes no sense to me. My credit union pre-approved me for a car loan at a reasonable rate. But when I get to talking about payment, they get into well restart the loan application with your union here. All I need is a sales agreement and insurance rider, not a whole new application.Is this just how its done, or is it shenanigans?EDIT: Just got back from the car dealer. Jesus H. Tapdancing Christ. I never want to buy from a dealer ever again.  <response>: No, the dealership should write up the sales agreement you need in order to finish the loan process with your lender. If theyre not willing to do that when I suggest taking your business elsewhere. 