You are under absolutely no obligation. I do ask that you submit an application only if you are seriously considering a purchase. Each time someone looks at your credit an inquiry is recorded on your history and too many inquiries hurt your credit. The lost time is of course an issue. And sometime that next applicant will be you .
Privacy is important.
Sharing your personal financial information is something that should only be done when needed. I will be happy to look at your credit to give you an idea of what type of interest rate to expect. Car credit history and how well a car note is paid. General credit history. If you make payments 30 or more days late on a consistent basis, for instance, your rate will almost always be higher than the average.