# Is is normal for brokers to ask for credit app? **URL:** \ **Category:** Ask the Hackrs\ **Tags:** dealer, broker\ **Created:** [April 17, 2019, 1:09pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228 "2019-04-17T13:09:54Z")\ **Posts on this page:** 14\ **Page:** 1
**Author:** ![xaero](https://leasehackr.b-cdn.net/letter_avatar/xaero/32/5_5575768a8748004e209b776fc1b2916d.png) [@xaero](https://forum.leasehackr.com/u/xaero)\ **Post date:** [April 17, 2019, 1:09pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/1 "2019-04-17T13:09:55Z")
I’m in the marking for a new lease and trying to go through a broker. I was asked to fill out a credit application. Is that normal or red flags? ---
**Author:** ![elegantautoleasing](https://leasehackr.b-cdn.net/letter_avatar/elegantautoleasing/32/5_5575768a8748004e209b776fc1b2916d.png) [@elegantautoleasing](https://forum.leasehackr.com/u/elegantautoleasing)\ **Post date:** [April 17, 2019, 1:25pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/2 "2019-04-17T13:25:45Z")
Of course, we need credit applications in order to submit the bank and get you approved for the loan. ---
**Author:** ![xaero](https://leasehackr.b-cdn.net/letter_avatar/xaero/32/5_5575768a8748004e209b776fc1b2916d.png) [@xaero](https://forum.leasehackr.com/u/xaero)\ **Post date:** [April 17, 2019, 1:26pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/3 "2019-04-17T13:26:21Z")
But wouldn’t that be done through the dealership? ---
**Author:** ![elegantautoleasing](https://leasehackr.b-cdn.net/letter_avatar/elegantautoleasing/32/5_5575768a8748004e209b776fc1b2916d.png) [@elegantautoleasing](https://forum.leasehackr.com/u/elegantautoleasing)\ **Post date:** [April 17, 2019, 1:27pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/4 "2019-04-17T13:27:27Z")
We submit it to the finance manager at the dealership, who puts it through the financial institution that is granting you the loan. ---
**Author:** ![Dany1122](https://leasehackr.b-cdn.net/letter_avatar/dany1122/32/5_5575768a8748004e209b776fc1b2916d.png) [@Dany1122](https://forum.leasehackr.com/u/Dany1122)\ **Post date:** [April 17, 2019, 2:06pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/5 "2019-04-17T14:06:18Z")
What happens if the borrowers fico isnt up to par – How do you navigate that? ---
**Author:** ![mp11477](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mp11477/32/9283_2.png) [@mp11477](https://forum.leasehackr.com/u/mp11477)\ **Post date:** [April 17, 2019, 2:28pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/6 "2019-04-17T14:28:53Z")
A broker is just a middleman between you and a dealer. If a broker isn’t running your credit app, they more than likely aren’t a true “broker,” and are simply selling you the name of a dealership. ---
**Author:** ![mp11477](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mp11477/32/9283_2.png) [@mp11477](https://forum.leasehackr.com/u/mp11477)\ **Post date:** [April 17, 2019, 2:29pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/7 "2019-04-17T14:29:52Z")
> [@Dany1122](#): > > What happens if the borrowers fico isnt up to par – How do you navigate that? You adjust the numbers based on score, or if it’s low enough, tell the prospective buyer they are SOL. ---
**Author:** ![vdr](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/vdr/32/16193_2.png) [@vdr](https://forum.leasehackr.com/u/vdr)\ **Post date:** [April 17, 2019, 2:58pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/8 "2019-04-17T14:58:38Z")
I’m a bit confused on this point…Are you saying that prior to finding a vehicle and providing you with a quote a broker is asking you to fill out a credit app? ---
**Author:** ![Ian\_Park](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/ian_park/32/21786_2.png) [@Ian\_Park](https://forum.leasehackr.com/u/Ian_Park)\ **Post date:** [April 17, 2019, 3:02pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/9 "2019-04-17T15:02:31Z")
Of course, your credit rating affects payment amount. ---
**Author:** ![daveydave424](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/daveydave424/32/126628_2.png) [@daveydave424](https://forum.leasehackr.com/u/daveydave424)\ **Post date:** [April 17, 2019, 3:20pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/10 "2019-04-17T15:20:22Z")
Brokers can quote you without a credit app. Just like they post here in the Marketplace section. They would base it off a Tier 1 score. ---
**Author:** ![Dany1122](https://leasehackr.b-cdn.net/letter_avatar/dany1122/32/5_5575768a8748004e209b776fc1b2916d.png) [@Dany1122](https://forum.leasehackr.com/u/Dany1122)\ **Post date:** [April 17, 2019, 3:21pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/11 "2019-04-17T15:21:43Z")
Makes sense as long as its a soft pull – A hard pull from the broker and dealer is a no-no ---
**Author:** ![aronchi](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/aronchi/32/258551_2.png) [@aronchi](https://forum.leasehackr.com/u/aronchi)\ **Post date:** [April 17, 2019, 3:24pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/12 "2019-04-17T15:24:41Z")
Brokers aren’t legally allowed to run someone’s credit. The only reason we have clients fill out our own app and send to the dealership is to control the deal. Normally, this wouldn’t matter, and there are several dealers I work with who prefer clients fill out the app on their websites. Unfortunately, due to some fine people on this forum, they will get the dealer information from you, go silent, fill out the dealer’s app and then show up at the dealer expecting a wholesale deal that a broker quoted them be honored in-store. Have had that happen several times. ---
**Author:** ![mp11477](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mp11477/32/9283_2.png) [@mp11477](https://forum.leasehackr.com/u/mp11477)\ **Post date:** [April 17, 2019, 3:39pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/13 "2019-04-17T15:39:08Z")
It’s too bad you can’t work up a gentleman’s agreement with the GSM to not honor the price you provide unless the scumbag looking to be spoon fed and skip your fee goes through you. ---
**Author:** ![aronchi](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/aronchi/32/258551_2.png) [@aronchi](https://forum.leasehackr.com/u/aronchi)\ **Post date:** [April 17, 2019, 3:41pm UTC](https://forum.leasehackr.com/t/is-is-normal-for-brokers-to-ask-for-credit-app/120228/14 "2019-04-17T15:41:36Z")
In the past, these people were told to take a walk by the dealership. That they drove over an hour out of their way for this to happen is punishment enough.