{"id":10969,"date":"2024-04-19T13:51:50","date_gmt":"2024-04-19T19:51:50","guid":{"rendered":"https:\/\/mycashinminutes.com\/?p=10969"},"modified":"2026-04-24T22:48:53","modified_gmt":"2026-04-25T04:48:53","slug":"do-personal-loans-affect-credit-score","status":"publish","type":"post","link":"https:\/\/mycashinminutes.com\/es\/los-prestamos-personales-afectan-el-puntaje-de-credito\/","title":{"rendered":"\u00bfC\u00f3mo afectan los pr\u00e9stamos personales el puntaje de cr\u00e9dito? 5 maneras en que lo hacen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10969\" class=\"elementor elementor-10969\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07983ff e-flex e-con-boxed e-con e-parent\" data-id=\"07983ff\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bbbb61 elementor-widget elementor-widget-heading\" data-id=\"7bbbb61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Do Personal Loans Affect Credit Score? 5 Ways They Do<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-034b82f elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-post-info\" data-id=\"034b82f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-13ec621 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/mycashinminutes.com\/es\/2024\/04\/19\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>abril 19, 2024<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-7e8a607 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-time\">\n\t\t\t\t\t\t\t\t\t\t<time>1:51 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-9d6f81b elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-user\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M313.6 304c-28.7 0-42.5 16-89.6 16-47.1 0-60.8-16-89.6-16C60.2 304 0 364.2 0 438.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-25.6c0-74.2-60.2-134.4-134.4-134.4zM400 464H48v-25.6c0-47.6 38.8-86.4 86.4-86.4 14.6 0 38.3 16 89.6 16 51.7 0 74.9-16 89.6-16 47.6 0 86.4 38.8 86.4 86.4V464zM224 288c79.5 0 144-64.5 144-144S303.5 0 224 0 80 64.5 80 144s64.5 144 144 144zm0-240c52.9 0 96 43.1 96 96s-43.1 96-96 96-96-43.1-96-96 43.1-96 96-96z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tby Yamna Zafar\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c86cc76 elementor-align-center elementor-mobile-align-center elementor-hidden-desktop elementor-tablet-align-left elementor-widget elementor-widget-button\" data-id=\"c86cc76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/mycashinminutes.com\/apply-now\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply for Cash Loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82bb2aa e-flex e-con-boxed e-con e-parent\" data-id=\"82bb2aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29a2db6 elementor-widget elementor-widget-image\" data-id=\"29a2db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"625\" height=\"414\" src=\"https:\/\/mycashinminutes.com\/wp-content\/uploads\/2024\/04\/nnghngh.png\" class=\"attachment-large size-large wp-image-10970\" alt=\"do personal loans affect credit score\" srcset=\"https:\/\/mycashinminutes.com\/wp-content\/uploads\/2024\/04\/nnghngh.png 625w, https:\/\/mycashinminutes.com\/wp-content\/uploads\/2024\/04\/nnghngh-300x199.png 300w, https:\/\/mycashinminutes.com\/wp-content\/uploads\/2024\/04\/nnghngh-18x12.png 18w\" sizes=\"(max-width: 625px) 100vw, 625px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3964d72 elementor-widget elementor-widget-text-editor\" data-id=\"3964d72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Have you ever been hit with an unexpected expense like a medical bill or an urgent home repair that you don\u2019t have the budget for? A <\/span><a href=\"https:\/\/mycashinminutes.com\/what-is-a-personal-loan\/\"><span style=\"font-weight: 400;\">personal loan<\/span><\/a><span style=\"font-weight: 400;\"> can help you pay your emergency expenses when you don\u2019t have enough money on hand.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">But do personal loans affect credit score?<\/span><\/p><p><span style=\"font-weight: 400;\">Well, yes! Just like any other form of credit, a personal loan affects your credit score in both good and bad ways. Read on to find out how personal loans affect your credit score so you can know about all the risks involved before applying for one.<\/span><\/p><h2><span style=\"font-weight: 400;\">Do Personal Loans Affect Credit Score? 5 Ways They Do<\/span><\/h2><p><span style=\"font-weight: 400;\">A personal loan affects your credit score just like any other type of credit. If you pay your monthly payments on time, it will build your credit score. If you make late payments, your credit score will be affected badly.<\/span><\/p><p><span style=\"font-weight: 400;\">Your credit score is affected by a personal loan in multiple ways. In fact, the moment you apply for a personal loan, you will notice a slight decline in your credit score.<\/span><\/p><p><span style=\"font-weight: 400;\">Continue reading to find out how a personal loan affects your credit score in various ways.<\/span><\/p><p><span style=\"font-style: inherit; text-align: var(--text-align);\">1.\u00a0<\/span><span style=\"color: #000f23; font-family: Montserrat, sans-serif; font-size: 1.666667rem; font-style: inherit; text-align: var(--text-align);\">Applying for A Personal Loan<\/span><\/p><p><span style=\"font-weight: 400;\">When you submit a personal loan application, your lender will request a credit report. This is known as \u201chard inquiry\u201d. A <a href=\"https:\/\/mycashinminutes.com\/soft-inquiry-vs-hard-inquiry\/\" target=\"_blank\" rel=\"noopener\">hard inquiry<\/a> affects your credit score temporarily, causing it to drop by a very small percentage.<\/span><\/p><p><span style=\"font-weight: 400;\">Moreover, many borrowers check with multiple lenders to get the best deal on a personal loan. For instance, if you are based in Provo City, you can look up \u201c<a href=\"https:\/\/mycashinminutes.com\/best-personal-loans-utah-everything-you-need-to-know\/\" target=\"_blank\" rel=\"noopener\">personal loans<\/a> in Provo City\u201d on the internet to find multiple lenders.<\/span><\/p><p><span style=\"font-weight: 400;\">Many lenders will pre-qualify you by just running a soft credit check. This allows lenders to check your credit report. A soft inquiry does not affect your credit score.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">But if multiple lenders are requesting a soft inquiry simultaneously or within a short period of time, it can have the same effect on your credit score as a hard inquiry.<\/span><\/p><p><span style=\"font-style: inherit; text-align: var(--text-align);\">2.\u00a0<\/span><span style=\"color: #000f23; font-family: Montserrat, sans-serif; font-size: 1.666667rem; font-style: inherit; text-align: var(--text-align);\">Making Payments<\/span><\/p><p><span style=\"font-weight: 400;\">When it comes to making monthly installments on your personal loan, you have the opportunity to improve by making timely payments. These payments account for about <\/span><a href=\"https:\/\/www.investopedia.com\/articles\/pf\/10\/credit-score-factors.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">35%<\/span><\/a><span style=\"font-weight: 400;\"> of your score.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">By staying on top of your monthly payments and having a record of 100% on-time payments, you can see a considerable improvement in your credit score.<\/span><\/p><p><span style=\"font-weight: 400;\">However, late or missed payments can affect your credit score badly. If you have missed a monthly payment even just once, you can see a huge drop in your credit score, which is also reflected on your credit report.\u00a0<\/span><\/p><p><span style=\"font-style: inherit; text-align: var(--text-align);\">3.\u00a0<\/span><span style=\"color: #000f23; font-family: Montserrat, sans-serif; font-size: 1.666667rem; font-style: inherit; text-align: var(--text-align);\">Diversifying Your Credit Portfolio<\/span><\/p><p><span style=\"font-weight: 400;\">Your credit portfolio represents the types of credit accounts you have, such as <\/span><a href=\"https:\/\/mycashinminutes.com\/8-types-of-mortgage-loans-explained\/\"><span style=\"font-weight: 400;\">mortgage loans<\/span><\/a><span style=\"font-weight: 400;\">, credit cards, personal loans, etc. If you have various types of credit accounts on your credit report, it works in your favor as lenders prefer a diverse credit mix.<\/span><\/p><p><span style=\"font-weight: 400;\">So if you only have credit cards on your credit portfolio and you are applying for a personal loan now, it can improve your credit score.<\/span><\/p><p><span style=\"font-style: inherit; text-align: var(--text-align);\">4.\u00a0<\/span><span style=\"color: #000f23; font-family: Montserrat, sans-serif; font-size: 1.666667rem; font-style: inherit; text-align: var(--text-align);\">Debt Consolidation<\/span><\/p><p><span style=\"font-weight: 400;\">If you are using your personal loan to consolidate a debt, it can give your credit score a boost. For instance, if you are unable to pay your credit card bill and it continues to mount, you can take out a personal loan to pay off all your credit card dues.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Since personal loans come with a lower interest rate, you can avoid multiple high-interest credit card payments by consolidating your debt with just one low-interest monthly payment.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">However, this would only work in your favor if you are trying to consolidate your credit card debt in the long term. If you make it a habit to use personal loans to consolidate credit card debts, you will find yourself maxing your credit cards out more quickly.<\/span><\/p><p><span style=\"font-style: inherit; text-align: var(--text-align);\">5.\u00a0<\/span><span style=\"color: #000f23; font-family: Montserrat, sans-serif; font-size: 1.666667rem; font-style: inherit; text-align: var(--text-align);\">Closing Your Personal Loan Account<\/span><\/p><p><span style=\"font-weight: 400;\">When closing your personal loan account, you will notice a slight drop in your credit score temporarily. This is because you will be losing the boost you had on your credit score due to that account. It is also because your credit mix will become less diverse after the closure.<\/span><\/p><p><span style=\"font-weight: 400;\">Even though you can still notice a positive effect on your score if the account closure is handled right, it won\u2019t be the same as having an open account.\u00a0<\/span><\/p><h2><span style=\"font-weight: 400;\">Boost Your Credit Score With Our Easy Personal Loans \u2014 Apply Today!<\/span><\/h2><p><span style=\"font-weight: 400;\">Now that you know the answer to, &#8220;do personal loans affect credit score&#8221;, apply for a personal loan today. With Cash In Minutes, you don\u2019t need to worry about your credit score getting affected badly. We make it easier for you to repay your loans by offering easy and affordable monthly installments, lower interest rates, and not requiring a hard inquiry on your credit report.<\/span><\/p><p><span style=\"font-weight: 400;\">This way, you can easily pay your monthly installments without getting overburdened. What\u2019s more, we don\u2019t care if you have a poor credit score! We accept bad credit so you can get instant cash in times of need.\u00a0<\/span><\/p><p><a href=\"https:\/\/mycashinminutes.com\/apply-now\/\"><span style=\"font-weight: 400;\">Apply online<\/span><\/a><span style=\"font-weight: 400;\"> for a personal loan in Utah today and get your funding the same day. If you are looking for a personal loan in Provo City, stop by our office today and fill out your loan application in person.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fdb1f5d e-flex e-con-boxed e-con e-parent\" data-id=\"fdb1f5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f3ffb64 e-con-full e-flex e-con e-child\" data-id=\"f3ffb64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af7d374 elementor-widget elementor-widget-facebook-page\" data-id=\"af7d374\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"facebook-page.default\">\n\t\t\t\t\t<div class=\"elementor-facebook-widget fb-page\" data-href=\"https:\/\/www.facebook.com\/CashinMintues\/\" data-tabs=\"timeline\" data-height=\"459px\" data-width=\"500px\" data-small-header=\"false\" data-hide-cover=\"false\" data-show-facepile=\"true\" data-hide-cta=\"false\" style=\"min-height: 1px;height:459px\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fdd008 e-con-full e-flex e-con e-child\" data-id=\"1fdd008\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0599376 e-flex e-con-boxed e-con e-child\" data-id=\"0599376\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-753b18d elementor-widget elementor-widget-heading\" data-id=\"753b18d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Instant Loan Application<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c01703 elementor-widget elementor-widget-text-editor\" data-id=\"6c01703\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Smooth and protected, embark on a fast track to a cash loan with simple steps. 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