I was taking a car loan last month. Before that i checked my score on a free app and also though going directly to bank. Free app only shows a number , not full loan history and bank told me it will take week to check and tell
my dealer said he checks on worthiness. i got an sms, i shared the code and within a few secs he told me which bank will approve my file. i got to know in same day instead of watiting of week. thats why we went with it, saved a lot of time.