<prompt> Human: Im looking into buying a used car via carvana. Ive heard decent reviews and would rather bypass having to negotiate back and forth with a dealer. I currently fall into the excellent credit score category at 770.I got a pre-approved loan from BofA for pretty decent rate but Carvanas lender GO Financial is offering me a lower rate.Problem is, GO Financial is a sub-prime lender and after learning just a bit about the housing crisis, the word subprime really puts a bad taste in my mouth.I tried to do some research but all I see is how sub-prime loans might affect someone with an already terrible credit score. Assuming I paid off a sub-prime loan in 3 years, without missing a payment, would there actually be any consequences to my credit score?  <response>: GO Financial is a subprime lender? Only when lending to poor credit risk people. You have a credit score over 750 and are getting a presumably great loan.The name of the company doesnt impact your rating. 