How long do car loans stay on a credit report?

Typically, car loans remain on your credit report for up to ten years from the account's origination date (e.g., the date you took out the loan). However, it all depends on the car lender's and credit bureau's reporting practices.

After your car loan is satisfied in full (and no further debt remains for that account), information about it may stay on your report for the full duration of ten years as a closed and settled item. On the other hand, some lenders opt to remove car loan history after it drops from your FICO or VantageScore calculation—generally seven years after opening.

Regardless of when, it's essential to review your credit report at least once a year for errors or inconsistencies related to your car loan information and resolve any disputes as soon as possible.