Does using SuperMoney affect my credit score?

No—checking loan offers on SuperMoney will not affect your credit score.

When you use SuperMoney’s loan offer engine, our lending partners perform a soft credit pull. This type of inquiry allows them to evaluate your credit profile and determine what offers you may qualify for, without impacting your credit score.

What About Adverse Action Letters?

You might receive adverse action notices from lenders. These are required by law when a lender reviews your credit information but does not extend an offer, or offers different terms.

Receiving this notice does not mean a hard credit inquiry occurred.

When Does a Hard Credit Pull Happen?

A hard credit pull typically occurs only if you choose to move forward with an offer and submit a full application directly through the lender. A hard inquiry may slightly affect your credit score and will appear on your credit report.

This is a normal part of the loan approval process and only happens after you've selected an offer and given your consent to proceed.