# Can I check loan eligibility without affecting my credit score?

> Quick answer · Last updated 5 July 2026

Canonical HTML: https://moneyguide.org.uk/answers/can-i-check-loan-eligibility-soft-search/
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## In short

Yes — soft-search pre-qualification shows likely acceptance and APR without a hard footprint visible to other lenders.

Hard applications record for 12 months — cluster sparingly.

Pre-qualification is indicative — final underwriting can still decline.

Comparison sites and lenders offer soft checks before formal apply.

See soft vs hard credit search guide.

## Related

- [Compare personal loans](https://moneyguide.org.uk/credit/compare-personal-loans-guide/)
- [Personal loan eligibility](https://moneyguide.org.uk/credit/personal-loan-eligibility-explained/)
- [Soft vs hard search](https://moneyguide.org.uk/credit/soft-vs-hard-credit-search/)

## Primary source

fca.org.uk/consumers/loans

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.