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You need to come in ( as a buyer) with:
For your trade: KBB value, NADA, plus autotrader buying certificates.
For the car you plan to buy: TrueCar price certificate, other dealership quotes.
For the loan: offers from credit unions and other banks. As long as the inquiries happen within the same 2 weeks AND YOU PURCHASE it will only have one "hit" on your credit. (Same applies when shopping for a mortgage).
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