I applied for a refinance for my 2 homes.  I have tentatively been pre-approved for the refi but am still waiting for the underwriter to give final approval and move to closing.  During this time, I applied and was approved for an installment loan for a attic retro-fit and solar water heater installation for one of the homes.  I don't pay for the work until the installation has been completed.  My question is, how long will it take for the installment loan to show up on my CR once I give the loan check to the installer and they cash it with the bank that loaned me the money?  I don't want to jeopardize my refi by adding a new credit account before I close on my refinance.