Lenders look for more than just a three-digit number. They want to see a pattern of stability.
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
Triggered once you formally apply for a loan. This signals a commitment and does appear on your report, typically dropping your score by a few points (often 2–5 points). Lenders look for more than just a three-digit number