What is a soft search in car finance?

A soft search, also known as a soft credit check or soft inquiry, is a type of credit check that does not leave a mark on a person’s credit report. Soft searches are typically done by lenders, credit card companies, and other organisations when a person applies for a loan, credit card, or other credit-related product.

A soft search is used to check a person’s creditworthiness, and to see if they are likely to be approved for a loan or credit card. This is done by checking the person’s credit score and credit history, as well as other information such as their income and employment status. Soft searches do not affect a person’s credit score and are not visible to other lenders or organisations.

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What is a soft search in car finance? 2

Examples of soft searches include when you check your own credit report, when you pre-qualify for a credit card or loan, or when a lender or credit card company checks to see if you are pre-approved for a product. We only perform soft searches on our customers credit files, meaning we can gain approvals from multiple finance lenders without impact to a customers credit score and whilst obtaining the best interest rate possible for that individual.

It’s important to note that hard search or hard credit check, which brokers elsewhere may perform, will leave a mark on your credit report and can affect your credit score. Once applying with us, its important to limit other applications elsewhere as multiple hard searches by other organisations may impact an approval or rate we can obtain for you.

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Song Bird
Song Bird
Could not recommend Happy Motor Finance enough. Kirsty has been so helpful throughout, searching for cars and contacting dealerships on my behalf. She has gone above and beyond and made what could have been a stressful experience a walk in the park. Would definitely use again. Highly recommend
Jordan Little
Jordan Little
Brilliant service sorted everything for me
Tricky Mooney
Tricky Mooney
First class, quick and easy and extremely helpful from start to finish 👍🏼
Lucy Holden
Lucy Holden
Brilliant service from star to finish super fast on the forms and got my dream car ❤️
Debbie King
Debbie King
Excellent company highly recommend. Always available to help, brilliant communication and always kept informed of how the process was going. Swift, helpful and kind. Can’t wait to collect my new car. Thank you.
Nicola Redgrave
Nicola Redgrave
Fab from start to finish! Thank you so much! Can't wait to pick my car up! ❤️
Matthew Moxham
Matthew Moxham
Absolutely 110%.. Extremely helpful very fast replies.. Absolutely could not do enough for me.... Customer service is exactly how it should be... Amazing experience from the start to finish Thankyou
A M
A M
Easy and very helpful in finding the right car for me
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Happy Motor Finance Limited is registered in England and Wales under company number: 14387669. Registered office address: Clippers House, Clippers Quay, Salford, England, M50 3XP

Happy Motor Finance Limited (FRN - 989250) is authorised and regulated by the Financial Conduct Authority. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) this will not affect the rate you are offered or the amount you will pay back. The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.

Happy Motor Finance Limited are registered with the Information Commissioners Office under registration number: ZB408604

VAT Number: 456 0212 21