Email your lender about the car and the numbers
When it is used
To the buyer's lender once a car is found, with the pre-approval terms and the deal's numbers, asking what is needed to finalize the loan and by when the funds can be ready.
The template
Copy it and replace each {{placeholder}}; a line whose placeholder has nothing to say can be deleted.
What the placeholders stand for
{{car}}The car- year, make, model and trim, such as "2026 Toyota RAV4 XLE"
{{lender}}The lender- the lender's business name, never a person's
{{apr}}The pre-approval APR- a percent, such as "5.9%"
{{term}}The loan term- months, such as "60"
{{stock}}Stock number or VIN- the listing's stock number or the car's VIN; the whole line is dropped when empty
{{dealer}}The dealer- the dealership's name
{{otd}}An out-the-door total- a dollar amount, such as "$32,294"
{{down}}The down payment- a dollar amount
{{trade}}Trade-in equity- a dollar amount
{{amount}}The amount to finance- a dollar amount
{{safety}}The NHTSA safety check- a short line such as "0 recalls for this model year, 5-star overall crash rating"
{{dealer_line}}A line about the dealer financing offer- when the dealer offered a rate: its APR on the same term, and a request to match or beat it; empty otherwise, and the line is dropped
{{deadline}}The date to decide by- a date, such as "Friday"
Next in the method: Politely say no thanks. All templates: emails.