topic Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/23/2021 in General Credit Topics

Soft Pull Pre-Qualify Links Part 2. Updated 2/10/2022

Anonymous — Fri, 18 Feb 2022 22:05:45 GMT

Previous thread looks like it's now archived. Gonna continue on with a new thread. Feel free to respond to any new links that aren't posted here and I'll update it when I get a chance.

CREDIT CARDS

Open Loop (Visa/Mastercard/Discover/Amex) Credit Cards:

FNBO (Experian Fico 9) - Shows prequalified amount and APR - https://www.fnbo.com/personal-banking/credit-cards/
Citi - https://online.citi.com/US/ag/cards/pre-screen?OC=CC-CITI-3CX&intc=megamenu~creditcards~prequal
Discover (Experian and/or Equifax) - https://www.discovercard.com/application/website/prequal?ICMPGN=PUB_HDR_CARDS_PQ
American Express (Experian Fico 8) - https://www.americanexpress.com/us/credit-cards/check-for-offers/?inav=menu_cards_prequal_offer
Capital One (Experian, Equifax, and Transunion) - https://www.capitalone.com/credit-cards/prequalify/
Wells Fargo (Transunion and/or Experian) - https://web.secure.wellsfargo.com/credit-cards/yourinfo?sub_channel=WEB&vendor_code=IA&lang=en&produ...
Amazon Prime Visa (Chase) - https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S
BlockFi Visa - https://app.blockfi.com/signup?variant=credit-card
Walgreens (Synchrony. MasterCard version available) - https://www.walgreens.com/mywalgreens/cards/credit.jsp
Credit One (Experian) - https://www.creditonebank.com/pre-qualification/data-entry/index?C1BSourceID=C1OX_SI_99&C1BDescriptorID=ASA0100L00&C1BSpecificationID=HDRtxtlnk
Merrick Bank Visa (Experian) - https://onlineoffer.merrickbank.com/?code=home&_ga=2.198628326.899425127.1583267511-259444163.1583267511
Prosper Mastercard - https://www.prosper.com/credit-card/apply
Upgrade Visa (TransUnion) - Will likely ask for Proof of Income - https://www.upgrade.com/upgrade-card/
Petal Visa Card (Experian) - Can ask for bank statements - https://www.petalcard.com/
Deserve Mastercard (Experian) - https://www.deserve.com/ (Prequalifying only available for Student Card)
Avant Visa Card (Transunion or Experian) - https://www.avant.com/
CapitalOne/Walmart (Store and Mastercard) (All 3 Credit Bureaus) - https://applynow.capitalone.com/preapproval/?brandCode=WALMARTCB&marketingChannelCode=PREAPPROVALUNS
Wayfair Card by Citi (Experian and/or Equifax) (Store or Mastercard available) - https://www.wayfair.com/wayfaircard
Goldman Sachs/Apple Mastercard (Transunion) - through Apple Wallet on your device
TomoCredit by Community Federal Savings Bank - https://tomocredit.com/ (No hard pull, more like a charge card with weekly payments for 3 months and then bi-weekly/monthly, connects to bank account to set SL, similar to Petal and some others. A good offering for building credit and those new to the USA).
Bank Mobile Master Card (Transunion) (Will likely ask for income verification) - https://cards.bankmobile.upstart.com/prequal
Aspire Cash Back Mastercard - Bank of Missouri - https://www.aspire.com/pre-qualify/

Open Loop Credit Cards from Local Banks or Credit Unions. Some may be GeoFenced.:

Truist Bank (Geofenced to most Southeast US States) - https://creditcard.digitalcommerce.truist.com/product/dcfo
American Eagle Financial Credit Union - https://www.americaneagle.org/Borrow/Credit-Cards/Visa-Credit-Cards
GESA Credit Union - https://apply.gesa.com/?_ga=2.145415731.623318167.1618308532-1384501151.1618308532
Regions Bank (TransUnion) - https://apply.regions.com/creditcards/gettingstarted (only existing Regions' customers can check for offers)
USAlliance Financial Federal Credit Union (Experian) - https://www.usalliance.org/pre-qualification
Patelco Credit Union - https://www.patelco.org/s2s/creditcard
Navy Federal Credit Union (Must be a member to check PQ offers - pre-qualification offers are not guaranteed) - https://digitalapps.navyfederal.org/prequal-member/

Formerly available PQ Links from certain banks. Either temporarily or possibly permanently unavailable.:

~~Chase~~

Closed Loop (Store) Credit Cards:

Kohls Credit Card (Transunion) - https://www.kohls.com/feature/pre-qual/prequal_inquiry.jsp?icid=prequalfooter
CareCredit - Synchrony Bank (Transunion and/or Experian) - https://www.carecredit.com/apply/
Sweetwater.com - Synchrony Bank (Transunion) - https://www.sweetwater.com/financing/
Alphaeon Credit by Comenity Bank (Equifax/Experian) - https://acquire1.comenity.net/prequal/phone-lookup?clientName=alphaeonvision&cmp=436_web_prequal_alphaeon_simply_qualify_20201021_002
Gardner-White Furniture - Fortiva Retail Credit - https://www.fortivaloans.com/cf/gardnerwhite/WEB#
Lowe's Advantage Card by Synchrony (Transunion and/or Equifax) - https://www.lowes.com/l/Credit.html (shows pre-qualified amount and APR)
Lexus Pursuits Credit Card by Comenity Bank (Experian or Equifax) - https://d.comenity.net/lexuspursuitscreditcard/pub/Apply/Dealer.xhtml
IKEA Projekt Card by Comenity Bank (Experian and/or Equifax) - https://d.comenity.net/ikeaprojekt/pub/prequalify/Prequalify.xhtml?cmp=476_web_prequal_ikea
Lenovo by Synchrony - https://www.lenovo.com/us/en/landingpage/lenovo-financing-options?orgRef=https%253A%252F%252Fwww.mysynchrony.com%252F&intcmp=1450363285583_lenovobrand_special%20offers_body-offers_ext#
Dell Financial by Web Bank (Experian) - https://www.dell.com/Financing/Comm/PreQual?s=dhs&l=en&cs=19&c=us&dfsref=dfs&returnurl=https%3a%2f%2fwww.dell.com%2fen-us%2fshop&~ck=mn&cookieUpdated=true
Toyota Card by Comenity Bank (Experian and/or Equifax) - https://d.comenity.net/toyotacreditcard/pub/prequalify/Prequalify.xhtml
Home Depot by Citi (Experian and/or Equifax) - https://citiretailservices.citibankonline.com/apply/home-depot-credit-card?app=PQ01&siteId=PLCN_HOMEDEPOT&sc=30052&cmp=A~Z~C~P~1~5~ZZZZ~PQ~HD~ZZ
Jared Jewelers (Hard Pull Possible) Comenity Bank (Experian and/or Equifax) - https://www.jared.com/credit-landing (Some members have reported a hard pull from Jared and Kay Jewelers when pre-qualifying)
Kay Jewelers (Hard Pull Possible) Comenity Bank (Experian and/or Equifax) - https://www.kay.com/credit-landing (Some members have reported a hard pull from Jared and Kay Jewelers when pre-qualifying)
Tempur Pedic by WELLS FARGO (Transunion) - https://www.tempurpedic.com/finance-your-purchase/
Yamaha Card by Web Bank (Transunion) - https://prequalify.yamahacard.com/financing-application.html
Bob's Discount Furniture by WELLS FARGO - (Transunion) - https://www.mybobs.com/financing-options
Cocoon Sealy Mattress by WELLS FARGO (Transunion) - https://www.cocoonbysealy.com/financing/#terms_and_conditions
Bob Mills Furniture Lite Card - Fortiva - www.fortivaloans.com/cf/bobmills/WEB#.
Pep Boys / Synchrony Car Care - Synchrony Bank (Transunion) - https://www.pepboys.com/pep-boys-credit-card
OLD NAVY - Synchrony Bank (Transunion and/or Experian) - https://apply.syf.com/eapply/eapply.action?clientCode=OLDNAVY&preQual=Y&sitecode=onacfl7d0
American Eagle / Aerie - Synchrony Bank (Transunion and/or Experian) - https://apply.syf.com/eapply/eapply.action?clientCode=AE&preQual=Y&sitecode=caehpb8b2
Walgreens - Synchrony Bank (Transunion and/or Experian) - https://www.walgreens.com/mywalgreens/cards/credit.jsp

IMPORTANT NOTICE:

There are some credit cards such as Reflex, Surge, Indigo (Celtic Bank), Milestone by (The Bank of Missouri), Fingerhut, First Premier Bank, etc. I have not added any prequalified links for these because the majority have rather high or predatory fees. You would be better off getting a secured card to do your rebuild than any of these.

PERSONAL LOANS

https://www.peerform.com/
https://consumer.evenfinancial.com/transunion/loans
Discover - pulls Experian and/or Transunion - https://www.discover.com/personal-loans/
HSBC Personal Loan - pulls Equifax Only - https://personalloanapply.us.hsbc.com/apply/172294#!/personal
LendingClub - pulls Transunion - https://www.lendingclub.com/
Prosper - pulls Transunion - https://www.prosper.com/
Marcus by Goldman Sachs - pulls Transunion - https://www.marcus.com/us/en/personal-loans
Upgrade - pulls Transunion and also offers the Upgrade Visa card - https://www.upgrade.com/
Bestegg - pulls Experian and/or Transunion - https://www.bestegg.com/apply-now/
SoFi - offers personal, student, home loans etc. - pulls Experian and/or Transunion - https://www.sofi.com/
Upstart - pulls Experian, Equifax or Transunion - https://www.upstart.com/
FreedomPlus - https://www.freedomplus.com/?utm_medium=organic&utm_source=website&utm_campaign=freedomplus.com
Rocket Loans - pulls Experian and/or Transunion - https://www.rocketloans.com/
Payoff Loans - pulls Transunion - https://www.payoff.com/
Better.com - For Mortgage preapproval with a Transunion Soft-pull - https://better.com/

CONSUMER FINANCE ACCOUNTS (CFAs)

Affirm - Pulls Experian - https://www.affirm.com/
Sezzle - Pulls Experian - https://sezzle.com/
Klarna - Pulls Experian or Transunion - https://www.klarna.com/us/
Regional Finance - Pulls Equifax - https://www.regionalfinance.com/
Conn's Home Plus (Pulls any 1 Bureau at random) - https://www.conns.com/yes-money-credit

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Shooting-For-800 — Wed, 03 Nov 2021 12:27:40 GMT

Thanks

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Anonymous — Thu, 04 Nov 2021 01:22:37 GMT

Thank you for this compilation of links.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Anonymous — Tue, 16 Nov 2021 19:01:06 GMT

Thanks for keeping this post updated. I found it super usful when I was looking for cards to build my credit.

One card that I saw that had a pre-qualify link is the Amazon Prime Visa from Chase. You'll have to already have an Amazon account. Once you sign in, there should be a pre-qualify link.

https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Anonymous — Sat, 20 Nov 2021 02:28:44 GMT

Walgreen has a pre-qualify: https://www.walgreens.com/mywalgreens/cards/credit.jsp

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

macinjosh — Mon, 22 Nov 2021 05:13:18 GMT

Citi pre-selected page is back.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

cashorcharge — Mon, 22 Nov 2021 16:13:31 GMT

@macinjosh wrote:
Citi pre-selected page is back.

New link

https://online.citi.com/US/ag/cards/pre-screen?OC=CC-CITI-3CX&intc=megamenu~creditcards~prequal

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Snoopy916 — Tue, 23 Nov 2021 23:39:44 GMT

The prequals are weird. checked for 7 of them. Approved/pre-qualified for 5 of them with explicit credit lines (ikea $6000, tempurpedic $3100), but when actually finishing, every single one said they were reviewing the app and will get back to me.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Goos — Wed, 24 Nov 2021 16:49:08 GMT

Maybe I'm doing something wrong but where is the actual prequalify stuff for the Amex business cards . It take me to a site with their cards to explore them .

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Anonymous — Thu, 25 Nov 2021 21:48:24 GMT

@Anonymous wrote:
Thanks for keeping this post updated. I found it super usful when I was looking for cards to build my credit.

One card that I saw that had a pre-qualify link is the Amazon Prime Visa from Chase. You'll have to already have an Amazon account. Once you sign in, there should be a pre-qualify link.
https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S

This looks like a hard pull. Reading the fine print it's a gamble at the least.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/23/2021

Anonymous — Thu, 25 Nov 2021 15:28:20 GMT

Thanks!!!

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

FinStar — Thu, 25 Nov 2021 21:47:45 GMT

@Goos wrote:
Maybe I'm doing something wrong but where is the actual prequalify stuff for the Amex business cards . It take me to a site with their cards to explore them .

This thread focuses primarily on consumer/personal credit products, not business ones.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

FinStar — Thu, 25 Nov 2021 21:52:36 GMT

@Anonymous wrote:
@Anonymous wrote:
Thanks for keeping this post updated. I found it super usful when I was looking for cards to build my credit.

One card that I saw that had a pre-qualify link is the Amazon Prime Visa from Chase. You'll have to already have an Amazon account. Once you sign in, there should be a pre-qualify link.
https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S

This looks like a hard pull. Reading the fine print it's a gamble at the least.

@Anonymous -- pre-qualifying for the CC is a SP as the first step. If a pre-approved offer displays, then yes it will be a HP if you proceed and accept the offer.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Goos — Thu, 25 Nov 2021 22:58:54 GMT

@FinStar wrote:
@Anonymous wrote:
@Anonymous wrote:
Thanks for keeping this post updated. I found it super usful when I was looking for cards to build my credit.

One card that I saw that had a pre-qualify link is the Amazon Prime Visa from Chase. You'll have to already have an Amazon account. Once you sign in, there should be a pre-qualify link.
https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S

This looks like a hard pull. Reading the fine print it's a gamble at the least.
@Anonymous -- pre-qualifying for the CC is a SP as the first step. If a pre-approved offer displays, then yes it will be a HP if you proceed and accept the offer.

Sadly that prequalify on Amazon is broken I think . Always says can't access your report .

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/23/2021

Relatxbles — Tue, 07 Dec 2021 21:47:19 GMT

Thank you this is very helpful!

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/3/2021

Phana24 — Thu, 09 Dec 2021 21:41:20 GMT

@Goos wrote:
Maybe I'm doing something wrong but where is the actual prequalify stuff for the Amex business cards . It take me to a site with their cards to explore them .

If you have an Amex personal card, call the biz card number and they'll guarantee a SP if you apply for a biz card, with the exception of the corporate card. The Business Blue is a great 2% card.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/23/2021

Anonymous — Mon, 13 Dec 2021 04:47:53 GMT

Nice list, thanks for posting/updating.

Although, I'd say CreditOne is predatory... These guys don't even allow autopay, and they typically charge an annual fee just for the privledge of having their terrible card.

Understand that for some, this is one of their only options, but still.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/23/2021

jodo1132 — Sat, 08 Jan 2022 14:20:00 GMT

Truist [BBT] now has there prequal tool working. Go to home page, click on credit cards tab at top of screen then click prequal on right of screen. I have 2 older BBT cards, I selected new applicant and apped for two truist cards ,BT and cash and got approved instantly with only a SP.

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/23/2021

Goos — Sat, 08 Jan 2022 14:26:16 GMT

@jodo1132 wrote:
Truist [BBT] now has there prequal tool working. Go to home page, click on credit cards tab at top of screen then click prequal on right of screen. I have 2 older BBT cards, I selected new applicant and apped for two truist cards ,BT and cash and got approved instantly with only a SP.

I applied cold and never got a hp .

Re: Soft Pull Pre-Qualify Links Part 2. Updated 11/23/2021

Who_wuda_thought — Sat, 08 Jan 2022 23:37:02 GMT

@Anonymous

Stumbled onto the Lenovo Prequalify page. Was instant approved (Consumer/Synchrony) but didn't app at this time.

https://www.lenovo.com/us/en/landingpage/lenovo-financing-options?orgRef=https%253A%252F%252Fwww.mysynchrony.com%252F&intcmp=1450363285583_lenovobrand_special%20offers_body-offers_ext#