Paul Sherry Car-N-Credit is here to serve those looking for a reliable used car at the best price. We work with a variety of people and credit scores. When applying for a car loan with us, we do not contact the credit bureau. SUBMITTING FORM BELOW WILL NOT NEGATIVELY AFFECT YOUR CREDIT SCORE. This makes applying for a car loan with no credit or bad credit risk free. Not only will this application not affect your credit score, but we offer easy credit approvals. Making payments on time to Paul Sherry Car-N-Credit can have a positive impact on your overall credit score because we report to TransUnion.