{"id":4186,"date":"2021-05-20T11:27:19","date_gmt":"2021-05-20T09:27:19","guid":{"rendered":"https:\/\/wealthymefs.co.za\/?p=4186"},"modified":"2021-05-20T11:31:43","modified_gmt":"2021-05-20T09:31:43","slug":"does-your-credit-score-take-a-hit-when-you-request-a-vehicle-finance-quote","status":"publish","type":"post","link":"https:\/\/wealthymefs.co.za\/?p=4186","title":{"rendered":"Does your credit score take a hit when you request a vehicle finance quote?"},"content":{"rendered":"\t\t
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Before you\u2019ve had a chance to assess your credit score, you decide to get a basic quote on vehicle finance and find out where you stand in terms of credit.<\/p>\n\n\n\n

But you quickly find out that this impacts your credit score. We have a look at vehicle finance quotes, what they do to your credit score, and we consider the opportunity cost of vehicle finance.<\/p>\n\n\n\n

Vehicle finance and your credit score<\/strong><\/p>\n\n\n\n

According to Reagan Mitchell<\/a><\/strong>, managing director of WealthyMe<\/a><\/strong>, when you apply for a vehicle finance quote your credit score takes a hit.<\/p>\n\n\n\n

\u201cWhen you request a quote for finance, it depends on a number of things, including your credit score, because it forms part of the lender\u2019s risk pricing. Similarly, with vehicle finance, a credit check is run on your profile based on your ID number,\u201d says Mitchell.<\/p>\n\n\n\n

He explains that every time there\u2019s an inquiry made to credit bureaus for a financial product, it impacts your score because it seems as though you\u2019re applying on numerous occasions.<\/p>\n\n\n\n

\u201cThe bureaus assess whether a consumer is desperate for credit based on the number of inquiries per month. It is perceived as a poor indicator of your financial stability or health to have numerous inquiries on your credit report,\u201d says Mitchell<\/a><\/strong>.<\/p>\n\n\n\n

He adds that credit inquiries are either soft or hard. A soft inquiry is when you check your own credit score, or one of your current creditors checks your score.<\/p>\n\n\n\n

A hard inquiry, on the other hand, is when a business views your credit report in connection with an application for credit, like vehicle finance. The bureau records the inquiry in conjunction with the application, not as two separate things.<\/p>\n\n\n\n

\u201cFor home loans, pre-approval is a better option as it doesn\u2019t affect your credit score. The same principle may apply to vehicle finance. However, you should ask your provider directly,\u201d says Mitchell.<\/p>\n\n\n\n

Are you ready for vehicle finance?<\/strong><\/p>\n\n\n\n

Having experience with credit is a reasonable indication of whether you\u2019re ready to handle vehicle finance, which is a long-term financial commitment. However, that\u2019s not all you ought to consider.<\/p>\n\n\n\n

According to Gavin van Dyk, director and certified financial planner at Fiscal Private Client Services, you need to make good, prudent decisions about the use of debt. <\/p>\n\n\n\n

\u201cFinancing the big-ticket items, such as your home and the car you drive, can make it much easier to save more and to build true wealth,\u201d says Van Dyk.<\/p>\n\n\n\n

In an\u00a0article\u00a0in TopAuto, he explains that the average price of a new car financed through Wesbank in January 2021 was R358,390.<\/p>\n\n\n\n

However, if you take out vehicle finance, you will not pay just this amount, but also interest payments. Assuming vehicle finance is taken out for the above, with a 10% deposit, 9% interest rate, and it\u2019s paid off over 5 years, how much would it actually cost you?<\/p>\n\n\n\n

\u201cThe important financial concept of opportunity cost comes into play here. Opportunity cost is the cost of an alternative that must be forgone in order to pursue a certain action. Put another way, it is the benefits you could have received by taking an alternative action,\u201d says Van Dyk.<\/p>\n\n\n\n

So, what is the opportunity cost of financing, rather than buying a car for cash? Based on the above example, you will pay R R79,187 on top of the actual cost of the car. This is the opportunity cost of vehicle finance.<\/p>\n\n\n\n

\u201cAlthough we all need a car, we get to choose the car we drive and how we finance the purchase of that car.\u00a0Over the long run it is prudent to find a balance between the amount of money you spend on financing costs and the amount of money you invest,\u201d says Van Dyk.<\/p>\n\n\n\n

Article originally published on\u00a0JustMoney<\/a><\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Before you\u2019ve had a chance to assess your credit score, you decide to get a basic quote on vehicle finance and find out where you stand in terms of credit. But you quickly find out that this impacts your credit score. We have a look at vehicle finance quotes, what they do to your credit… Continue reading Does your credit score take a hit when you request a vehicle finance quote?<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":4198,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","wds_primary_category":0,"footnotes":""},"categories":[25],"tags":[297,292,294,299,288,293,300,298,295,291,55,296,289,29,290],"class_list":["post-4186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-in-the-media","tag-are-you-ready-for-vehicle-finance","tag-credit-bureaus","tag-current-creditors-checks","tag-director-and-certified-financial-planner-at-fiscal-private-client-services","tag-does-your-credit-score-take-a-hit-when-you-request-a-vehicle-finance-quote","tag-financial-product","tag-financing-the-big-ticket-items","tag-gavin-van-dyk","tag-home-loans","tag-lenders-risk-pricing","tag-managing-director-of-wealthyme","tag-pre-approval","tag-quote-on-vehicle-finance","tag-reagan-mitchell","tag-vehicle-finance-and-your-credit-score","entry"],"yoast_head":"\nDoes your credit score take a hit when you request a vehicle finance quote? - WealthyMe<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wealthymefs.co.za\/?p=4186\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does your credit score take a hit when you request a vehicle finance quote? - WealthyMe\" \/>\n<meta property=\"og:description\" content=\"Before you\u2019ve had a chance to assess your credit score, you decide to get a basic quote on vehicle finance and find out where you stand in terms of credit. 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