Thinking about applying for the current promo they have for the 04 Quest (1.9% / 60 until 3/31). Should I go ahead and apply online, or would I be better off letting the dealer run the credit? I've read that dealers have a good bit of influence in getting lower scores approved into their tier i/ii programs & I don't know if an online app limits them in what they can do with the app... I recently got a prime rate 30 yr mort (5.875) and a prime + 1 heloc from Chase with mid-high 600 scores. I did have a 30 day late posted to my Chrysler car loan back in 9/03 though ;< Not sure how much that will affect the "car fico" that the dealers use... but I'm sure it won't be good! Any advice?