But if the score is high enough (and only a small amount of total score is inquiries) car dealers prob won't think or care if desperate for money... (As opposed to a cc company approving a new credit line)...
Desperate for money = you don't have any money.
Why would a car dealer want to lease/finance a car to/for someone that doesn't have any money?
ETA: A new car is a credit line just like a new cc is a credit line.
Obviously there is a benefittthatthere is ccollateral, but that what car companies want to rely on.