Soft Search Loans
Compare loan offers with no impact to your credit score
Check Your Rate
No impact to your credit score
Compare offers across Canada
Why Use Soft Credit Checks?
Protect your credit score while shopping for the best loan rates
No Credit Score Impact
Soft checks are invisible to other lenders and don't affect your score
Compare Multiple Offers
See rates from lenders in our network without commitment
Privacy Protected
Your information is encrypted and secure
Make Informed Decisions
Compare real rates before applying
Soft vs Hard Credit Checks
Soft Credit Check
- Does NOT affect your credit score
- Only visible to you
- Used for pre-qualification
- Can do unlimited soft checks
Hard Credit Check
- May temporarily lower your score (5-10 points)
- Visible to other lenders
- Used for final loan approval
- Multiple hard checks in short time can hurt score
How Our Soft Search Works
Submit Basic Information
Enter your name, email, and desired loan amount. This triggers only a soft credit inquiry that won't affect your score.
Compare Pre-Qualified Offers
Review personalized loan offers from multiple lenders. Your credit score remains completely unaffected at this stage.
Choose and Finalize
Once you select an offer, you'll complete the full application with that lender. Only this final step involves a hard inquiry.
Check Your Rate Now
No credit score impact. See your personalized offers in 2 minutes.
Get My Loan Offers100% Free • 2-minute application • Soft check only
Frequently Asked Questions
What is a soft credit check?
A soft credit check (or soft inquiry) is a credit check that does not affect your credit score. Lenders use it to pre-qualify you for offers without impacting your creditworthiness.
Will checking my rate affect my credit score?
No. When you check your rate through 365 Loans, we only perform a soft credit check. This does not impact your credit score at all.
When does a hard credit check happen?
A hard credit check only occurs when you choose to proceed with a specific lender's offer and submit a full loan application.