Is that so ? The only reason I ask is because when I bought my truck in December, they wanted to have a copy of my license before the test drive. I ended up writing a check for the truck, therefore we never talked about a loan. BUT, when my stepdaughter went to the same dealership a month later ( her brother worked there ), she needed a co signer if she went with their loan program ( which she did not ), but they told her to get me to sign, since they knew my credit rating was " pristine ". So they knew. Maybe it's different for different states, or maybe they were trying to be sneaky.