Banking
Can I check loan eligibility without affecting my credit score?
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In short: Yes — soft-search pre-qualification shows likely acceptance and APR without a hard footprint visible to other lenders.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: fca.org.uk/consumers/loans
Part of our Banking & current accounts
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