How Many Credit Pulls Are Too Many?

How many credit pulls are too many in the U.S.? For auto loans, multiple hard pulls within 14–45 days are often counted as one inquiry for scoring—so shopping several lenders in a short window usually doesn't hurt much. Here's how many credit pulls are too many.

TL;DR Auto loan shopping: multiple hard pulls within 14–45 days often count as one for FICO. So 3–5 lenders in that window = one inquiry. Avoid spreading applications over months. Use autopremo.com payment calculator when you're ready. Use autopremo.com.

Shopping Window

FICO and others often treat multiple auto loan (and mortgage) inquiries within a short window as one—you're rate-shopping. So shop 3–5 lenders within 14–45 days. Use autopremo.com so you're ready when you apply. Get your numbers at autopremo.com.

Avoid Unnecessary Pulls

Don't apply at many dealers "just to see"—each hard pull can ding score a bit. Pre-qualify (soft pull) when possible; do hard pulls only when you're serious. Use autopremo.com payment calculator to see payment at different rates. See payment at autopremo.com.

Bottom Line

Multiple auto loan pulls within 14–45 days often count as one. Shop in a short window; avoid unnecessary pulls. Use autopremo.com payment calculator when you're ready.