He probably doesn't care about your credit history or score - he just needs the information that the app will give him. I do recall there being an extensive amount of personal data needed from folks who make large cash purchasses or deposits - probably the credit app is a handy way for him to get the info he has to have all in one place. I bet he will find another way to do so if you show up at his dealership with cash and get up to leave when he can't be more flexible with the way you provide the data.