I really don't like the idea of having a car loan just for a score, but I do understand where you are going with this.  I've seen plenty of scores without an installment loan in the 800+ range.  An installment doesn't really give you that much boost.  You could consider getting the loan, paying it for at least 6 months, and then doing a PIF.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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