Equity Edge Lending
    Soft credit inquiry · 0 impact to your score

    Check your options. Keep your credit intact.

    Prequalify for personal loan or debt consolidation options through a secure soft credit inquiry.

    Start PrequalificationDebt Consolidation
    Soft Credit Inquiry
    No Impact to Credit Score
    Secure Prequalification
    No Obligation
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    Your pathSoft pull
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    ● No score impact● No obligation● Secure soft pull● Three bureaus● Specialist support

    Two paths

    Built for the moment
    you need clarity.

    Couple reviewing personal loan options on a laptop together

    01 / Personal Loans

    For what life requires

    Prequalify

    Soft, not sorry

    See what's possible — before anything touches your credit.

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    Soft credit inquiry

    We use a non-impactful credit check to evaluate potential options.

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    Zero credit-score impact

    Soft pulls are invisible to your FICO score.

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    No obligation, ever

    You decide what happens next. No pressure, no commitment.

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    Three-bureau visibility

    Experian, Equifax, and TransUnion — reviewed in one secure pass.

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    Specialist follow-up

    If options may be available, a real person walks you through next steps.

    Disclosure · Prequalification uses a soft credit inquiry and does not impact your credit score. If you choose to continue with a full application or accept an offer, a hard credit inquiry may be required and could impact your credit score.

    How it works

    Three steps. Minutes, not weeks.

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    01

    Tell us what you need

    Choose personal loan or debt consolidation. Answer a few basics.

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    Secure soft-pull

    We perform a soft credit review to evaluate potential options.

    Specialist with headset reviewing options on a laptop
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    Review next steps

    If options may be available, a specialist walks you through.

    Debt consolidation

    Many payments. One path.

    Consolidation may combine multiple balances into one potential loan — making payments easier to manage.

    Check Consolidation Options

    Consolidation does not guarantee lower payments or savings.

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    Before

    Multiple bills

    After

    One potential payment

    Possible uses

    For the moments that matter most.

    A personal loan can support a wide range of needs. Here are a few of the most common reasons people prequalify.

    Explore Personal Loans
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    Most common

    Home improvement

    Renovate, repair, refresh.

    Kitchens, roofing, HVAC, ADUs, solar — fund the projects that protect and grow your home's value.

    Life events — Weddings, moves, milestones

    Weddings, moves, milestones

    Life events

    Medical & dental — Care that can't wait

    Care that can't wait

    Medical & dental

    Major purchases — Planned, considered expenses

    Planned, considered expenses

    Major purchases

    Debt consolidation — Many payments → one path

    Many payments → one path

    Debt consolidation

    Loan use, amounts, and availability are subject to lender approval and applicable law.

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    Security & trust

    Built for secure, private prequalification.

    256.

    Bit encryption

    0.

    Score impact

    3.

    Credit bureaus

    1.

    Business day reply

    See what you may prequalify for.

    Secure soft-pull prequalification. No impact to your credit score.

    Start Prequalification

    Soft inquiry · No score impact · No obligation