wushen is right

It the finacial manager's JOB to sya that ANY buyer's FICO score is too low at a car dealership. Please surprise me with a real case that it is said otherwise at the dealership.
You should try your local credit union/bank and online lenders first before going to the dealership. Even if the car dealership cannot beat your pre-approved loan rate, it is his job to get you a quote anyway, whether you like it or not.