re: Car Loan / Credit Score Question

Depending on the car and its value and depreciation since you are only trying to get a loan of 4k many banks will refuse that loan depending on the car. There are a lot of terms that have to be satisfied on a used auto loan. The bank may want you to take out a loan of 6k. Or they will hit you with a pretty heavy rate. The bank has to make money off the loan. There isnt a whole lot of room for profit on a 4k car loan and a lot of risk. So dont expect great terms if any.