Can You Decline an Approved Car Loan? – NerdWallet

Can you decline an approved car loan? Absolutely.

If you’ve gone through the necessary steps to apply for an auto loan and been approved, you’re not obligated to accept the offer.

Auto experts advise borrowers to seek preapproval with multiple lenders to find the best offer, then use that as a backup at the dealership. You can decline any approval the dealer finds for you as well.

You can walk away for any reason until you’ve signed a loan agreement.

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