Credit & Soft-Pull Disclaimer

Some providers listed or linked by Lendvisors may offer prequalification, preapproval, rate-check, eligibility-check, or offer-matching tools that may use a soft credit inquiry. A soft inquiry generally does not affect your credit score. However, not every provider offers soft-pull prequalification, and availability may vary.

Final approval for credit cards, personal loans, business loans, lines of credit, bank products, or other financial products may require a hard credit inquiry. A hard inquiry may affect your credit score and may appear on your credit report.

Prequalification, preapproval, or preselected offers do not guarantee final approval, rates, terms, credit limits, loan amounts, or eligibility. Final decisions are made by the applicable provider based on its own underwriting criteria, verification process, credit review, income review, identity verification, business verification, and other factors.

0% APR credit card offers, balance transfer offers, promotional rates, rewards, fees, and approval terms are determined by the credit card issuer and may change at any time. Users should carefully review the issuer's official terms, Schumer box, rates, fees, balance transfer terms, promotional period, and penalty APR terms before applying.

Lendvisors does not repair credit, guarantee score increases, remove accurate negative information, or guarantee credit outcomes. Credit monitoring and credit improvement resources are provided through independent third-party providers or educational resources.