Soft-pull PREAPPROVALs - Updated 4/20/21

[waqaszm1]

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.

CREDIT CARDS

*** FNBO Credit Card - (Experian Fico 9) - Shows prequalified amount and APR - https://www.fnbo.com/personal-banking/credit-cards/ 

*** Sweetwater.com - Synchrony Bank (Transunion) - https://www.sweetwater.com/financing/

1. Alphaeon Credit by Comenity Bank (Equifax/Experian) - https://d.comenity.net/alphaeonvision/pub/prequalify/Prequalify.xhtml?cmp=436_web_prequal_alphaeon_s...

2. American Eagle Financial Credit Union - https://www.americaneagle.org/Borrow/Credit-Cards/Visa-Credit-Cards

3. GESA Credit Union - https://apply.gesa.com/?_ga=2.145415731.623318167.1618308532-1384501151.1618308532

4. Gardner-White Furniture - Fortiva Retail Credit - https://www.fortivaloans.com/cf/gardnerwhite/WEB#

5. 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, like petal and some others. A good offering for building credit and those new to the USA).

6. Lowe's Advantage Card by Synchrony (Transunion or Equifax) - https://www.lowes.com/l/Credit.html

(shows pre-qualified amount and APR) 

7. Lexus Pursuits Credit Card by Comenity Bank (Experian or Equifax) - https://d.comenity.net/lexuspursuitscreditcard/pub/Apply/Dealer.xhtml

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

9. HSBC (Equifax) - https://apply.us.hsbc.com/apps/servlet/SmartForm.html?formCode=ccoprequal&promoid=RVQ&marketingcode=... - (Not Available)

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

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

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

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

13. Wayfair Card by Citibank (Experian and/or Equifax) - https://www.wayfair.com/wayfaircard  

14. 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%2...

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

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

(Not Available)

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

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

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

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

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

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

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

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

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

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

27. 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)

28. 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)

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

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

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

(Prequalifying only available for Student Card)

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

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

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

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

(Not Available)

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

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

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

(Not Available)

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

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

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

42. Pep Boys / Synchrony Car Care - Synchrony Bank (Transunion) - https://www.pepboys.com/pep-boys-credit-card

43. OLD NAVY - Synchrony Bank (Transunion) - https://apply.syf.com/eapply/eapply.action?clientCode=OLDNAVY&preQual=Y&sitecode=onacfl7d0

44. American Eagle / Aerie - Synchrony Bank (Transunion) - https://apply.syf.com/eapply/eapply.action?clientCode=AE&preQual=Y&sitecode=caehpb8b2

45. Walmart Credit Card (Store and Mastercard) - Capital One - (All 3 Bureaus) - https://applynow.capitalone.com/preapproval/?brandCode=WALMARTCB&marketingChannelCode=PREAPPROVALUNS

46. Wells Fargo Pre-selected Offer - (Transunion and/or Experian) - https://web.secure.wellsfargo.com/credit-cards/yourinfo?sub_channel=WEB&vendor_code=IA&lang=en&produ...

IMPORTANT NOTICE:

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 are really a disservice 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

1. https://www.peerform.com/

2. https://consumer.evenfinancial.com/transunion/loans

3. Discover - pulls Experian and/or Transunion - https://www.discover.com/personal-loans/

4. HSBC Personal Loan - pulls Equifax Only - https://personalloanapply.us.hsbc.com/apply/172294#!/personal

5. LendingClub - pulls Transunion - https://www.lendingclub.com/

6. Prosper - pulls Transunion - https://www.prosper.com/

7. Marcus by Goldman Sachs - pulls Transunion - https://www.marcus.com/us/en/personal-loans

8. Upgrade - pulls Transunion and also offers the Upgrade Visa card - https://www.upgrade.com/

9. Bestegg - pulls Experian and/or Transunion - https://www.bestegg.com/apply-now/

10. Sofi - offers personal, student, home loans etc. - pulls Experian and/or Transunion - https://www.sofi.com/

11. Upstart - pulls Experian, Equifax or Transunion - https://www.upstart.com/

12. FreedomPlus - https://www.freedomplus.com/?utm_medium=organic&utm_source=website&utm_campaign=freedomplus.com

13. Rocket Loans - pulls Experian and/or Transunion - https://www.rocketloans.com/

14. Payoff Loans - pulls Transunion - https://www.payoff.com/

15. Better.com - For Mortgage preapproval with a Transunion Soft-pull - https://better.com/

CONSUMER FINANCE ACCOUNTS

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

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

3. Klarna - Pulls Experian or Transunion - https://www.klarna.com/us/

4. Regional Finance - Pulls Equifax - https://www.regionalfinance.com/

5. Conn's Home Plus (Pulls any 1 Bureau at random) - https://www.conns.com/yes-money-credit

[waqaszm1]

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

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

27. 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)

28. 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)

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

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

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

(Prequalifying only available for Student Card)

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

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

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

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

(Not Available)

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

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

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

(Not Available)

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

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

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

42. Pep Boys / Synchrony Car Care - Synchrony Bank (Transunion) - https://www.pepboys.com/pep-boys-credit-card

43. OLD NAVY - Synchrony Bank (Transunion) - https://apply.syf.com/eapply/eapply.action?clientCode=OLDNAVY&preQual=Y&sitecode=onacfl7d0

44. American Eagle / Aerie - Synchrony Bank (Transunion) - https://apply.syf.com/eapply/eapply.action?clientCode=AE&preQual=Y&sitecode=caehpb8b2

45. Walmart Credit Card (Store and Mastercard) - Capital One - (All 3 Bureaus) - https://applynow.capitalone.com/preapproval/?brandCode=WALMARTCB&marketingChannelCode=PREAPPROVALUNS

46. Wells Fargo Pre-selected Offer - (Transunion and/or Experian) - https://web.secure.wellsfargo.com/credit-cards/yourinfo?sub_channel=WEB&vendor_code=IA&lang=en&produ...

IMPORTANT NOTICE:

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 are really a disservice 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...

[waqaszm1]

 - 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

1. https://www.peerform.com/

2. https://consumer.evenfinancial.com/transunion/loans

3. Discover - pulls Experian and/or Transunion - https://www.discover.com/personal-loans/

4. HSBC Personal Loan - pulls Equifax Only - https://personalloanapply.us.hsbc.com/apply/172294#!/personal

5. LendingClub - pulls Transunion - https://www.lendingclub.com/

6. Prosper - pulls Transunion - https://www.prosper.com/

7. Marcus by Goldman Sachs - pulls Transunion - https://www.marcus.com/us/en/personal-loans

8. Upgrade - pulls Transunion and also offers the Upgrade Visa card - https://www.upgrade.com/

9. Bestegg - pulls Experian and/or Transunion - https://www.bestegg.com/apply-now/

10. Sofi - offers personal, student, home loans etc. - pulls Experian and/or Transunion - https://www.sofi.com/

11. Upstart - pulls Experian, Equifax or Transunion - https://www.upstart.com/

12. FreedomPlus - https://www.freedomplus.com/?utm_medium=organic&utm_source=website&utm_campaign=freedomplus.com

13. Rocket Loans - pulls Experian and/or Transunion - https://www.rocketloans.com/

14. Payoff Loans - pulls Transunion - https://www.payoff.com/

15. Better.com - For Mortgage preapproval with a Transunion Soft-pull - https://better.com/

CONSUMER FINANCE ACCOUNTS

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

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

3. Klarna - Pulls Experian or Transunion - https://www.klarna.com/us/

4. Regional Finance - Pulls Equifax - https://www.regionalfinance.com/

5. Conn's Home Plus (Pulls any 1 Bureau at random) - https://www.conns.com/yes-money-credit

[Anonymous]

This is wonderful. Thank you!

[Anonymous]

Links would be awesome

[waqaszm1]

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

[Remedios]

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. 

[Remedios]

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

[waqaszm1]

Thank you ! I appreciate it -

[Remedios]

You're welcome. 

[Girlzilla88]

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

[waqaszm1]

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.