1. So I have around 32 grand sitting in a money market fund collecting interest at 4.8% annually.
2. The car that I am looking at is well under 32 grand.
3. Even if I wanted to finance the vehicle my local credit union is giving me an interest rate of 5.6%
4. But! Honda is offering an interest rate of 2.9%. So if I avail for that loan and don't dispose off my money market fund. I stand to gain 3 grand in the 3 year period provided the Fed doesn't cut interest rates.
5. Even if Fed cuts the interest rates, I stand to gain something at the very least. Roughly 40 to 60 bucks a month at the very least if I don't dispose off my money market fund. Then once Fed cuts the interest rate, I will dispose off my money market fund and pay off the loan.

Now my problem is that once I give the dealer my social security number, they will run it through all the banks and stuff. At this point if they come back to me and give me a shitty rate like 6% or something then obviously I will not signup for that loan and since they have already run a bunch of credit checks my credit score will also be affected. Right now my credit score is 790.

Is there a way I can get the car dealer to pre-approve me at a certain interest percentage before they run credit check on me. I don't want to waste my credit score if they are going to give me a shitty interest rate. As I am on an Visa, there is a very good chance that I will not get one of those extremely good rates. Even in the past when my score was 770, I got an automobile loan rate of 7.8%. I did pay off that loan in 4 months, but it still costed me like 500$ or something in interest rates.