The timing of when you can get a car loan after closing on a house can vary depending on several factors, including your financial situation, credit history, and the policies of lenders.

Here are some considerations to keep in mind:

  1. Impact on Credit Score: Taking on new debt shortly after closing on a house can affect your credit score, especially if you're applying for multiple loans within a short period. Lenders may view this as a potential risk, particularly if you're already carrying a large mortgage.

  2. Debt-to-Income Ratio: Lenders evaluate your debt-to-income ratio (DTI) when considering new loan applications. Taking on additional debt soon after obtaining a mortgage could impact your DTI and affect your ability to qualify for a car loan.

  3. Lender Policies: Some lenders may have specific guidelines regarding the timing of new loan applications after a mortgage closing. They may prefer to see a certain period of stability or timely mortgage payments before approving additional credit.

  4. Financial Stability: Consider your overall financial stability and ability to take on additional debt. If you're confident in your ability to manage both a mortgage and a car loan, it may be appropriate to apply for a car loan shortly after closing on a house.

  5. Pre-Approval vs. Final Approval: If you're considering applying for a car loan shortly after closing on a house, it's a good idea to get pre-approved from lenders. Pre-approval can give you an idea of the loan terms you qualify for without impacting your credit score. However, keep in mind that final approval may depend on additional factors and may not be guaranteed until after closing.

Ultimately, the decision to apply for a car loan after closing on a house is a personal one that depends on your individual financial situation and goals. It's essential to weigh the potential impact on your credit score, DTI, and overall financial stability before making any decisions. If you have specific concerns or questions, consider consulting with a financial advisor or mortgage lender for personalized guidance.