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.
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.
Carol St ClairAbsolutely brilliant company. Everything explained and sorted for me from start to finish. Will definitely recommend these guys. Thank you from a very happy customer 😁
idrees aliKirsty provided a fantastic service, would recommed to everyone. Happy motor finance
Matt JamesBrilliant help , very stress free experience. Highly recommend , Damien was excellent from start to finish .
Andy RyanAbsolutely outstanding service from Damian at Happy Motor Finance, start to finish 48 hours everything was explained and was an easy process. Highly recommended and cheers Damian much appreciated!
Victoria SumnerAmazing service from Leon and a new car sorted in less than a week.
Peter KilliardI could make this very very long winded but I won’t. I’ll just say that Kirsty and the team gave me the best customer service and buying experience ever. Thank you very much and I’ll be back when it’s time to upgrade.
Barry O'BrienKirsty was very patient, I don’t think I was an easy customer, I can’t remember how many cars I looked at, there was no pressure and Kirsty was extremely helpful and nothing was too much trouble, we eventually got a great deal on my ideal car, Thank you Kirsty
Jack ScoreyLeon was great! Fast responses to questions and always happy to help. Very quick process from start to finish. I would recommend this company to anyone.
Kyle DannIf I could give 6 stars I would, team member Yaz has been the most help from any finance company I’ve tried in getting a new car and helped me out massively. Top man and a top company would massively recommended.
