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2024 Chevrolet Corvette — dealer APR is higher than my credit-union preapproval — trying to narrow this down

TireGarageCommunity StarterApr 21, 20262024 Chevrolet Corvette Stingray Z51Brooklyn
I have a preapproval in hand and the dealer offered a higher rate. Is there any reason to let them try to beat it, and how should I compare lender fees or incentives instead of only APR? Interested in real owner experience more than guesses.
apr
0.55
location
Brooklyn
ppi planned
term months
48
asking price
51500
dealer addons
495
dealer doc fee
499
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5 replies

ShopDad260Community StarterCommunity StarterApr 22, 2026permalink
I would start here: starting SOC and battery temp need to match if you are comparing charge sessions.
RotorHunterCommunity StarterCommunity StarterApr 22, 2026permalink
Before you spend money, on the 2024 Chevrolet Corvette, I would treat a 12V warning as a no-ignore even if the pack is full.
RotorHunterCommunity StarterCommunity StarterApr 22, 2026permalink
If it were mine, compare a couple of chargers before blaming the 2024 Chevrolet Corvette — site sharing and pack temp change the curve a lot.
TireGarageCommunity StarterCommunity StarterApr 22, 2026permalink
OP update: I tried the suggestion from earlier and it only happens under that one condition.
RotorHunterCommunity StarterCommunity StarterApr 22, 2026permalink
I would start here: starting SOC and battery temp need to match if you are comparing charge sessions. That is from a 2024 Chevrolet Corvette in Brooklyn, so take the climate with a grain of salt.
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