What Happens After You Submit a Loan Request

Your Information Reaches the Network, Not One Company

Instead of routing to a single lender, your request is checked against a network of lenders at once. Each one independently decides whether your profile fits what they're willing to offer, based on their own criteria — some focus more on income, others more on credit history or banking behavior.

The Initial Check Is a Soft Pull

Matching typically relies on a soft credit inquiry, which doesn't affect your score and isn't visible to other lenders. This is what makes comparing multiple potential offers possible without the inquiry pile-up that comes from applying to several lenders individually.

You See Real Offers, Not Guarantees

Lenders willing to work with your profile respond with preliminary terms — loan amount, estimated rate, and repayment structure. Submitting a request never guarantees an offer, and every lender discloses full APR, fees, and terms before you're asked to accept anything.

You Choose, Then the Lender Verifies

Once you pick an offer, that specific lender handles final verification — this is typically when a hard credit inquiry happens, if one is required at all, and when you'd provide any additional documentation. Funding timing from this point depends on the lender, not on the matching step.