Will applying for a car loan hurt my credit score?

Short answer: A little — but it’s not a big deal.

A hard inquiry (when you officially apply) might cause a small, temporary dip in your credit score. 

BUT if you're rate shopping and apply to multiple lenders within a 14–45 day window, it's usually counted as one inquiry by credit bureaus.

✅ Pre-approvals often use a soft inquiry, which doesn’t affect your score at all.

So go ahead — shop smart, not scared.