cancel
Showing results for 
Search instead for 
Did you mean: 

List of Soft-pull PREAPPROVALs - New Link 10/21/20

Highlighted
Regular Contributor

List of Soft-pull PREAPPROVALs - New Link 10/21/20

Please add more if i missed any. This is an attempt to help folks rebuild their credit so that you are NOT denied for "Too Many Inquiries".

Per response by MOD Remedios below, I have added links - (LATEST additions at the top)

 

CREDIT CARDS

 

* Lowe's Advantage Card by Synchrony (Transunion 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

 

1. BB&T (Equifax) - https://www.bbt.com/offers/checkOffers

 

2. HSBC (Equifax) - https://apply.us.hsbc.com/apps/servlet/SmartForm.html?formCode=ccoprequal&promoid=RVQ&marketingcode=...

 

3. Ikea Projekt Card by Comenity Bank (Experian and/or Equifax) - https://d.comenity.net/ikeaprojekt/pub/prequalify/Prequalify.xhtml?cmp=476_web_prequal_ikea

 

4. BBVA (Experian Fico 9) - https://online.bbvausa.com/apply/credit-card-prequal

 

5. Regions Bank (TransUnion) - https://apply.regions.com/creditcards/gettingstarted

(Update: only allowing existing customers to check for offers)

 

6. Wayfair Card by Comenity Bank (Experian and/or Equifax) - https://www.wayfair.com/wayfaircard  

(Update: No longer available) - New card offered by CITI on Wayfair's website, pre-qualification not available at this time

 

7. Dell Financial (Experian) - https://www.dell.com/Financing/Comm/PreQual?s=dhs&l=en&cs=19&c=us&dfsref=dfs&returnurl=https%3a%2f%2...

 

8. Discover card (Experian and/or Equifax) - https://www.discovercard.com/application/website/prequal?ICMPGN=PUB_HDR_CARDS_PQ

 

9. Citicards (Experian and Equifax) - https://www.citicards.com/cards/credit/application/flow.action?isInvitation=N

(Not working as of 8/10/20)

 

10. American Express (Experian Fico 8) - https://www.americanexpress.com/us/credit-cards/check-for-offers/?inav=menu_cards_prequal_offer

 

11. Apple by Goldman Sachs (Transunion) - thru Apple Wallet on your device

 

12. Toyota Card by Comenity Bank (Experian and/or Equifax) - https://d.comenity.net/toyotacreditcard/pub/prequalify/Prequalify.xhtml

 

13. Capital One (Experian, Equifax, and Transunion) - https://www.capitalone.com/credit-cards/prequalify/

 

14. Credit One Bank (Experian) - https://www.creditonebank.com/pre-qualification/data-entry/index?C1BSourceID=C1OX_SI_99&C1BDescripto...

 

15. Merrick Bank (Experian) - https://onlineoffer.merrickbank.com/?code=home&_ga=2.198628326.899425127.1583267511-259444163.158326...

 

16. HomeDepot by Citi (Experian and/or Equifax) - https://citiretailservices.citibankonline.com/CRS/acq/launch/index.action?app=PQ01&siteId=PLCN_HOMED...

 

17. JP Morgan Chase (Experian & Equifax): https://www.chase.com/prequalified

 

18. American Express Business Card Prequalifier (Experian) - https://www.americanexpress.com/us/credit-cards/business/prequalify-for-business-credit-card

 

19. Kohls Credit Card issued by Capital One (Transunion) - https://www.kohls.com/feature/pre-qual/prequal_inquiry.jsp?icid=prequalfooter

 

20. Jared Jewelers (Hard Pull Possible) Comenity Bank (Experian and/or Equifax) - https://www.jared.com/credit-landing

(Some members have reported getting a hard pull from Jared and Kay Jewelers when pre-qualifying)

 

21. Kay Jewelers (Hard Pull Possible) Comenity Bank (Experian and/or Equifax) - https://www.kay.com/credit-landing

(Some members have reported getting a hard pull from Jared and Kay Jewelers when pre-qualifying)

 

22. Upgrade Visa Card (TransUnion) - Will likely ask for Proof of Income - https://www.upgrade.com/upgrade-card/

 

23. Petal Visa Card (Experian) - Can ask for bank statements - https://www.petalcard.com/

 

24. Deserve Mastercard (Experian) - https://www.deserve.com/

(Prequalifying only available for Student Card)

 

25. Avant Visa Card (Transunion or Experian) - https://www.avant.com

 

26. USAlliance Financial Federal Credit Union (Experian) - https://www.usalliance.org/pre-qualification

 

27. Tempur Pedic by WELLS FARGO (Transunion) - https://www.tempurpedic.com/finance-your-purchase/

 

28. State Farm Credit Card (Transunion) - https://www.statefarm.com/finances/banking/credit-cards

(Not working as of 8/10/20)

 

29. Bank Mobile Master Card (Transunion) - https://cards.bankmobile.upstart.com/prequal

 

30. Yamaha Card by Web bank (Experian) - https://prequalify.yamahacard.com/financing-application.html

 

31. Denver Community Credit Union (Experian) ONLY FOR COLORADO residents - https://denvercommunity.coop/experian

 

32. Bob's Discount Furniture by WELLS FARGO - (Transunion) - https://www.mybobs.com/financing-options

 

33. Cocoon Sealy Mattress by WELLS FARGO (Transunion) - https://www.cocoonbysealy.com/financing/#terms_and_conditions

 

34. Bob Mills Furniture Lite Card - Fortiva - www.fortivaloans.com/cf/bobmills/WEB#.

 

ACHTUNG ! CAUTION ! :

There are some really crappy cards such as Reflex, Surge, Indigo (Celtic Bank) and others such as Milestone by (The Bank of Missouri), Fortiva etc. I have not added prequalifiers for these because getting these cards with their rip-off fees upon fees are really a dis-service to our society. You would be better off getting a small secured card to do your rebuild than any of these.

 

EXCEPTION 1:

Did not include BofA because their option is more a recommendation / marketing ploy than a solid prequalifcation ! for those still wanting to try, here is the link: https://secure.bankofamerica.com/secure-offers/public/customizedOffers/?subchannel=ECHPLN&cm_sp=Cons...

 - based on information on this forum, you have a better chance if you get an offer with a specific APR, i.e for example 12.9% rather than a range, i.e (12.9% to 24.9%) -

 

PERSONAL 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

 

Affirm - Pulls Experian - https://www.affirm.com/

Sezzle - Pulls Experian - https://sezzle.com/

Klarna - Pulls Experian or Transunionhttps://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

 

Message 1 of 215
214 REPLIES 214
Highlighted
New Contributor

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

This is wonderful. Thank you! Smiley Happy



Message 2 of 215
Highlighted
Contributor

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Links would be awesome

Personal Credit Cards

Business Credit Cards







Message 3 of 215
Highlighted
Regular Contributor

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Waiting on a MOD to chime in on the links question. If it is appropriate, I will update the listing with links.

 

JP Morgan Chase has a prequal as well to see if you have any offers from them: https://www.chase.com/prequalified

 

 

 

Message 4 of 215
Highlighted
Moderator

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Links to the official lender websites are fine. 

 

With that said, prequal/preapprovals are kinda toys. Some are fairly reliable, others aren't even trying. 

So, those inquires may go to "waste" anyway. 

A proof Chase hates me....Pre-approved Subaru.
Message 5 of 215
Highlighted
Moderator

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

@waqaszm1  Edits can make the filter "think" it's a spam. I've restored your post. 

A proof Chase hates me....Pre-approved Subaru.
Message 6 of 215
Highlighted
Regular Contributor

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Thank you ! I appreciate it -

Message 7 of 215
Highlighted
Moderator

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

You're welcome. 

A proof Chase hates me....Pre-approved Subaru.
Message 8 of 215
Highlighted
Valued Contributor

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Oooooo lovely!     I know this isn't a CC but LendingClub offers a Preapproval for a Personal Loan and they soft pull TU if you would like to add it?!    I believe it is a HP once all is accepted but that way you don't waste a HP on a No Smiley Very Happy










Message 9 of 215
Highlighted
Regular Contributor

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Most of the personal loan companies offer pre-approval via Soft-Pull - Didn't add them because otherwise post could be moved to some obscure corner of this platform where it won't help anyone ...

 

But on your topic, LendingClub, Prosper, Rocket Loans, Bestegg, Freedomplus, Upstart, Upgrade, Sofi, Marcus, Payoff - all offer preapproval through a softpull. It is only a hard pull once you accept an offer than you have been presented with.

Message 10 of 215
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.