You can always do a soft credit check. Credit Karma, for instance, will monitor 3 credit scores for you and you can check it daily. It is not a hard hit and does not affect your score. It also shows you events that impact the score, allowing you to monitor and possibly correct the score. This could save you a lot of money down the road.
If there is a 'hard check' for a loan (of any kind), I would refuse to allow the hard check unless a copy is given to you. I did this when purchasing a house. The first finance officer that wanted to pull the credit - I required to give me a copy. Then I provided that report to another finance officer to get a competitive bid and make sure nobody was taking advantage of me. Yes a hard check will impact your score - but it isn't necessarily a significant impact, and any finance company knows why that check is being made. This is much different than delinquent bills, carrying too high of a credit balance, or having no credit history. I honestly wouldn't even worry about it.
You will lose more money making a bad deal than you will by having your credit checked a few times.