Soft-pull PREAPPROVALs - Updated 4/20/21

[Girlzilla88]

LOL I never knew I wish someone told me before I checked with World Finance and I can't remember where else that said 'you have been pre-approved' then come to find out NO lololol......

[Girlzilla88]

I think the other was One Main or something...but anywho sorry I'll stop now so this post doesn't get to far off topic

[waqaszm1]

There are a solid 13 to 14 different banks on this list -multiple cards offered by Comenity and Citi. Dell Financial is backed by Web Bank.

No reason for anyone to waste hard pull inquiries especially if you are in the rebuilding stage - If a soft pull does not bring up an offer, check another bank out before you waste a hard pull - Most of you will qualify for something !

[Remedios]

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@waqaszm1 wrote:

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.

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You guys are free to include links for personal loans prequals, as long as it's directly to lender website,  and not aggregator websites. 

[Girlzilla88]

https://www.lendingclub.com/loans/personal-loans

[Link edited. - KiB]

[GApeachy]

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@waqaszm1 wrote:

Noticed a few folks asking for pre-qualify / pre-approval options. Here are some that I know of - Please add more if i missed any. Hopefully this will save all of us from wasting inquiries.

https://www.kohls.com/feature/pre-qual/prequal_inquiry.jsp?icid=prequalfooter

[coreysw12]

Great thread, thanks for this!

These sites are perfect for us gardeners who have an itch we badly need to scratch I submitted a few pre-qual forms today, with mixed results, but the important thing is that the irresistable urge to fill out an application is gone for now.

I agree about BofA - their pre-qual "tool" is an outright scam. I was "offered" a card with that tool a few months ago, so I applied for it. Now check out the sweet BofA card in my signature.

[Anonymous]

Both Jared and Kay have pre-qualify pages

Jared - https://www.jared.com/credit-landing

Kay - https://www.kay.com/credit-landing

[waqaszm1]

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

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

Thanks to @rgninja for the following prequalifying links.

Jared Jewelers issued by Comenity Bank (Pulls Experian, and/or Equifax) - https://www.jared.com/credit-landing

Kay Jewelers issued by Comenity Bank (Pulls Experian, and/or Equifax) - https://www.kay.com/credit-landing

[Anonymous]

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@waqaszm1 wrote:

Noticed a few folks asking for pre-qualify / pre-approval options. Here are some that I know of ...

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Great post. Great info. Thank you! I hope it stays updated & gets stickied.