When does a new car loan appear on your credit report? After making the first payment?

I drove a car off the lot, but never finalized the loan with the 30 day warranty period. I returned the car back to the dealership. Will pulling the car off the lot be reported to my credit history or will it not show anything at all because I had not even made my first payment?When does a new car loan appear on your credit report? After making the first payment?
Auto finance is what I do for a living and as long as you did not sign a contract it will not show on your report.





Something you said makes me wonder, are you under the understanding that you have 30-days to return a vehicle after you buy it?





If this is what you were referring to when you said that you never finalized the loan, then you are mistaken.





There is no 30 day return policy unless the dealer you were working with has one.





A lot of dealers have 30-day warranty's but this doe's not mean you have 30-days to return the vehicle.





If you signed paperwork and then took the car back, it will show as a repossession on your credit.When does a new car loan appear on your credit report? After making the first payment?
Car Loan Guide: http://carloanguide.automobiledeals.info Report Abuse

Most of the times it takes up to 60 days to appear.











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It shouldn't show up on your credit report since nothing was finalized and/or you didn't make a payment.