Two loans arranged to purchase car by dealer

BigSR

Hello, With our last car purchase, the dealer said we would have to take out two separate loans but under the same sales agreement in order to purchase the car. It was for £20,000 car and they said at the time it was something to do with the age vs value. In hindsight, we are now wondering if this was correct by the garage as I'm sure this would have shown up on my credit score as separate borrowing and probably affected other chances of borrowing. I know I was declined for borrowing with a Monzo loan, but didn't make the link. I'm seeing more and more about car finance not being processed correctly, the right checks not being done, so should I make a complaint?

MeteredOut

On the face of it, it sounds a bit dodgy, possibly to circumvent something that might have otherwise meant you not getting a single £20K loan, but what would be the basis of your complaint? Can you evidence any loss due to it being 2 loans?