Free 15-minute credit review
Denied a car loan — or quoted a sky-high rate? Find out why.
Auto financing leans heavily on your credit. A real specialist shows you what may be affecting your approval and your rate — and a realistic plan before you head back to the dealership.
No credit card · no obligation · phone optional · your info is never sold.
Auto Approval Scan
Illustrative example — not a real credit report.
Prefer to see your own credit first? See my scores & report →
A car-loan “no” (or a brutal rate) usually comes down to your report
Dealers and lenders price auto loans off your credit tier. A few items can bump you into a worse rate — or a denial — and most people never find out which ones. Fifteen minutes makes it clear.
The FTC found 1 in 5 consumers had an error on at least one of their credit reports. So the denial may not be the whole story — and some of what’s flagged may be disputable.
The monthly payment is only one part of the deal
A longer loan can make the monthly payment look easier while raising the total you pay. Before you accept another offer, compare the whole financing structure — not just the number on the dealer worksheet.
Longer term
- Lower monthly payment
- More months of payments
- Higher total borrowing cost
Shorter term
- Higher monthly payment
- Fewer months of payments
- Lower total borrowing cost
An illustration of how term length changes total cost — not a claim that one offer is always better.
Compare the whole deal: APR, amount financed, term, total paid, and any add-ons. Your credit can influence the rate — but the price, down payment, income, and lender terms shape the final offer too.
Auto-loan key terms (CFPB consumer guide).
What may be affecting your approval or rate
Auto lenders price off your credit tier, then look at a few specific items. Some are accurate; others may be outdated, duplicated, or wrong — and those may be disputable.
The good news: once you can see what’s actually on the report, each item becomes something you can understand and act on — that’s the whole point of the free review.
You’ll talk to an actual credit specialist
No call-center script, no upsell ambush. A specialist at MSI Credit Solutions goes through your report with you, explains the credit tier a lender likely sees, and gives you a straight read on what’s realistic.
It’s free, takes about 15 minutes, and there’s no obligation to do anything afterward.
Start my free reviewWhat you’ll know after the free review
No pressure, no jargon — just a straight answer and a plan.
Tell us what happened
A quick 15-minute call. Share what you’re dealing with — and we look at what’s actually on your credit report.
We pinpoint what may be hurting you
We go through the specific items on a report that can cause trouble — and flag what may apply to you.
You leave with a realistic plan
A clear, honest action plan: what may be disputable, what to rebuild, and a realistic sense of timing.
We can’t guarantee approvals or a specific score increase, and we can’t remove accurate information. What we can do is show you what’s affecting your credit, what may be disputable, and exactly what to do next.
What you’ll walk away with
- A clear picture of the credit tier a lender likely sees
- Which items might be inaccurate, outdated, or disputable
- What to address before you finance a vehicle
- A realistic sense of timing before you reapply
Backed by MSI Credit Solutions
Questions people ask
Why was my car loan denied?
Auto lenders price loans off your credit tier, then look at items like collections, high utilization, and recent inquiries. A few negative items can push you into a worse tier — or a denial — and most people are never told exactly which. A quick look at your report makes it clear.
Can I get a car loan with bad credit?
Often yes, but usually at a higher rate. Buy-here-pay-here and no-credit-check lots are one route, though they tend to cost much more. Knowing your credit tier first helps you compare offers and avoid overpaying.
Why is my car loan interest rate so high?
Your rate is largely set by your credit tier. Items like high balances, collections, or recent late payments can move you into a more expensive tier. Seeing what’s reporting helps you understand the rate and what may be workable.
Is the review really free?
Yes — about 15 minutes with an MSI Credit Solutions specialist, no credit card, no obligation.
See what’s affecting your approval and rate — free
A 15-minute review shows you what’s on your report affecting auto financing, and an honest plan before you head back to the dealership — no credit card, no obligation.
Get my free auto-credit reviewFree · about 15 minutes · phone optional · no credit card · your info is never sold.