Getting a car loan from CA Lending® now would be the best and quickest way to drastically improve your overall credit score. For example if you wait a year without obtaining any new lending products (eg. Auto loan, VISA, MasterCard, etc.) then lenders have nothing to rate you on except your most recent credit, which is a year old and poor. Lenders are more interested in your borrowing and payment habits for the last 12 months when making lending decisions. So although the cost of obtaining a car loan now may be great, the cost of not obtaining a car loan now will be substantially greater. Apply Today and get Approved!