Generally speaking, as long as there is no bad credit record, the number of times I check my credit has little effect on my personal credit.

Note that I can only check it twice a year for free, and 25 yuan will be charged from the third time.

The inquiry reasons of personal credit report are divided into personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry and so on. Among them, credit card approval, guarantee qualification examination and loan approval can belong to negative categories according to risk factors.

Only if there are too many records of this kind of query will have adverse effects, and my query is not included. Therefore, it will not affect the loan if individuals inquire about their relevant credit records.

Extended data:

Automobile loan processing flow:

1, select the product that needs car loan;

2. Apply for universal car loan packages and services on the spot according to your own situation;

3, the staff of the loan review and approval;

4. The store signed a contract to pick up the car;

Baidu encyclopedia-car loan process