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As you make on-time payments, this becomes the most significant positive factor in your "story," as payment history accounts for roughly 35% of your total score.

While a score of 660–700 is preferred for a $30,000 loan, some lenders prioritize employment stability and may even accept non-traditional income, like side gigs, if it's consistent. car-credit-check

Are you planning to get through your own bank first, or are you looking to see what dealership financing offers? As you make on-time payments, this becomes the

Lenders look for more than just a three-digit number. They want to see a pattern of stability. Lenders look for more than just a three-digit number

A common point of confusion is seeing 5 or 10 different inquiries on your report after one visit. This happens because dealerships "shotgun" your application to multiple lenders to find the best rate.

Credit bureaus recognize you are shopping for a single loan. If multiple auto loan inquiries occur within a short period (typically 14 to 45 days), they are treated as a single inquiry for scoring purposes.