Find a credit union near you, should be able to get that rate down below 7%. Not sure why youre concerned w credit score unless youre swallowed in debt while stll pocketing 150k. Even at 10%, the interest is minimal over 2/3 months and sounds like it'll be worth a couple hundres more $ to secure your dream car

If you clear, the price of the car, every month. I dont see the need to pull from 401k. Save for a month or 2. Pulling from 401k has a bunch of steps and conditions. Pulling from your savings doesn't, especially when you can replace within 2 months