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How often do lenders report to credit bureaus about car loans?
I'm late on my car payment by a few days and I'm freaking out—I don't want to damage my credit score. How often do lenders report to credit bureaus?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Since you’re a few days late on your loan, you might face late fees and penalties—but you won’t see any damage to your credit score. That only happens if you’re more than 30 days late with your payment.
In the future, consider having a backup plan in case you run into trouble making your loan payment:
- Maintain a reserve or savings account with extra cash in case you find yourself short
- Talk to your lender to work out a payment plan or other arrangements
If you need a few extra bucks in the old bank account, insurance is a great place to find savings. The car insurance comparison and broker app
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