Banking
Can I check loan eligibility without affecting my credit score?
Links marked * are commercial or go to our partner sites, which share our operator. Third-party companies may pay us commission. How we make money.
In short: Yes — soft-search pre-qualification shows likely acceptance and APR without a hard footprint visible to other lenders.
Content updated:
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: moneyhelper.org.uk/en/everyday-money/credit/personal-loans
Part of our Banking & current accounts
This quick answer sits inside our wider banking & current accounts hub — with sub-guides, calculators and step-by-step explainers on the same topic.
Read the full banking & current accounts guide →