Car loan showing as a credit card
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When the download is supplied directly by the financial institution (using Direct Connect or Web Connect), the only Quicken account type that can be downloaded to is a credit card account. Such downloads only make sense for home-equity type loans.
No financial institution can download to a Quicken loan type account.
When the download is supplied by Intuit (using Express Web Connect), the Quicken account type will be a loan account ... which can represent any real-world loan type: only Intuit can provide such downloads (with the permission of the financial institution).