<prompt> Human: So this is my first time applying for a loan. I applied for 13,000 and was approved for up to 15,000 at 9.5 APR though I wont be using all of itmaybe?. I applied online with USAA and the car Im looking to purchase is 11,593 after the dealers document fee10,995 without. My questions are:1. Do I follow through with the loan app before or after I test drive the car and am ready to purchase?? I have until February 15 until the offer expires. 2. What happens if I dont accept the loan? Is it just a hit on my credit score?just curious, I need a car so I will be following through3. Can the dealer negotiate a lower price than what USAAs Car buying service gave me, as well as negotiate a lower APR?4. What happens to the rest of the money if I dont use the entire amount?5. How much can I be expecting to pay after everything is said and done if the car costs 10,995 before taxes and fees? Will be registered in CT.Assistant: DO NOT GET AN AUTO LOAN AT 9.5!!!That is horrendous. Absolutely not. Walk run away.1 Instead of borrowing money, why not save?2 If you absolutely cannot avoid an auto loan, look for one at 2-3.Human: If USAA gave them 9.5, I doubt any other bank is going to come in over 6 points lower. Theyre all using variations of the same credit scoring model. Assistant: If your credit is so poor that the best rate you can get is 9.5 then you are someone who should not be borrowing money for a car. There are reliable 15 year old Camrys with 150k miles you can buy for 4k in cash.Human: My credit score is not poor but it is still relatively new. My first credit card under my name is 2 years old but Ive never missed a payment and got 2 more cards after that.  <response>: Youre getting screwed then. Find a better rate elsewhere. 9.5 is terrible for an auto loan right now. 