According to the current financial policy, the mortgage demand of 4S stores will not have much impact on personal credit information. Usually, banks will issue loans through collateral without paying too much attention to personal credit information.

However, when making a 4S store mortgage loan, the bank or lending institution will first evaluate the personal credit to confirm the personal asset status and the tolerable debt scale. This may require banks or lending institutions to consult personal credit information as a reference for evaluation. Therefore, if your personal credit status is poor, it may affect your application results.

For those who are not very clear about their online loan big data, they can view their online loan big data information through "Xiaoqi Credit Information". This database cooperates with more than 2,000 online lending platforms, so the queried data is very accurate. At the same time, it is suggested that you should check your credit record before applying for the mortgage loan of 4S shops, so as to correct the mistakes or defects in the record in time.

To sum up, 4S shop mortgage loan may involve checking personal credit information, but this situation is not common. It is suggested that before applying, you should know your credit history and choose a loan method that suits your situation.