Financing, APR & RefinancingPurchase deal checkCommunity Starter

2025 Lucid Air — dealer APR is higher than my credit-union preapproval

PistonWrench24Community StarterJan 30, 20262025 Lucid Air PureWestchester
2025 Lucid Air Pure, about 19,500 miles. 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?
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