process
Will applying affect my credit score?
No. Submitting an application and checking eligibility on Instant Credit uses a soft credit pull, which:
- Is invisible to other lenders when they review your credit
- Has zero impact on your credit score
- Lets you see real offers before committing
A hard credit inquiry only happens once you:
- Choose a specific loan offer
- Review and accept the loan agreement
- Electronically sign
Hard inquiries are a normal part of any approved loan and typically reduce your score by ≤5 points temporarily.
For secured loans, additional verifications (vehicle title, asset valuation) may also occur after acceptance. Your lender will disclose all credit-bureau reporting in writing before you sign.
