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.

Soft Search Loans

Compare loan offers with no impact to your credit score

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 50+ lenders 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 Offers

100% Free • 2-minute application • Soft check only