No, simply checking for available personal loan offers through our site will not affect your credit score. When you check for offers, a soft credit pull is performed. This allows lenders to show you potential rates and terms you may qualify for without leaving a hard inquiry on your credit report. A soft pull is only visible to you and does not impact your credit score.
No. Browsing our site and clicking to view potential offers will not affect your credit score. Because we do not collect your Social Security number or perform credit checks on our platform, your score remains exactly as it is. Most of our lending partners use a “soft credit pull” to show you personalized rates, which has zero impact on your credit. A hard inquiry (which can affect your score) only occurs if you choose a specific loan and proceed with a formal application on the lender’s own secure website.
Funding speeds vary by lender, but many of our partners are known for their efficiency. Once you are matched and your formal application is approved, funds can often be deposited into your account as soon as the same day or the next business day.
The exact timing depends on:
How quickly you provide the required documentation to the lender.
Your bank’s processing times for direct deposits.
The time of day your loan is finalized.
There is no single “minimum” score required to use our service. Our network includes lenders that work with a wide range of credit profiles, from excellent to poor.
While a higher credit score typically helps you secure lower interest rates, many of our partners specialize in bad credit loans or fair credit options. They often look at more than just your score, considering factors like your income, employment history, and debt-to-income ratio to help you get approved.
Tip: Since checking your offers through our partners starts with a soft credit pull, you can see what you qualify for without worrying about your score dropping.
