Many lenders perform a soft check to present preliminary offers; final approval may require a hard credit check. We will always disclose when a hard pull is required before it happens.

Yes. Many of our partner lenders consider more than just credit score (income, employment, banking history). While options and rates vary, we work with lenders who specialize in helping borrowers across credit profiles.

Funding times depend on the lender and your bank. Some lenders offer same-day funding for approved borrowers, while others may take 1–3 business days. We display estimated funding timelines with each offer.

Fees vary by lender and loan product. Typical fees can include origination fees, late fees, or prepayment penalties. All fees and APR are shown clearly in each offer so you can compare true cost.

Security is a priority. We use encryption and industry-standard protections to secure your data. We only share your information with lenders you authorize and never sell your personal data for unrelated marketing.

Initial rate comparisons often use soft inquiries that do not affect credit scores. If you choose to proceed with a lender, they may perform a hard inquiry which can temporarily affect your credit score. We notify you before any hard pull.