Personal loan tools
Personal loan prequalification
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Full disclosure below.
Prequalifying uses a soft credit check to show likely offers. It does not affect your score, so you can compare before you commit.
Questions
Is prequalification an approval?
No. The lender still verifies your details before final approval.
When does a hard pull happen?
Usually when you accept an offer and finish the application.
How we make money
Lending Gurus compares options and doesn’t lend. We may earn a referral fee when you apply through our links, but no lender pays for a review or a score, and partner status never changes one. Advertiser disclosure.