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Better to get loan from finance company or bank considering the drop of credit score?
If your primary concern is a drop in your credit score, go to a mortgage broker instead of multiple banks and finance companies. Each time you ask a bank or financial institution for a loan, they do a hard pull on your credit rating which costs you a couple of points. Visit a dozen lenders and you'll lose 24 points. You will also be signalling to lenders that you're shopping for money. If you visit a mortgage broker he does a single hard pull on your credit score and offers your loan query to a dozen or more lenders, some of which you may not have even heard of. This costs you 2 points instead of 24. If you are only going to visit one financial institution or another specific one, the drop in credit score is the same couple of points. The above answer only applies if you make loan inquiries at multiple institutions.