Will applying affect my credit?

When you go through our prequalification flow, we perform a soft pull of your credit. This type of credit check does not impact your credit score and is only visible to you on your credit report, not to potential lenders.

If you proceed with the full application after prequalification, we will conduct a hard pull of your credit. A hard pull may temporarily lower your credit score by a few points, and will be visible to other lenders. However, this impact is usually minor and short-term, and as long as you manage your credit responsibly, it should not have a significant effect on your overall credit health.

If you decide to use Point funds to pay down your debt and/or remain current on regular payments, this could influence your overall financial health, including your credit score.