How YourFICOFixed works: compare prequalified personal loan offers with a soft credit check
How it works
From “what will this cost me?” to a clear answer.
A comparison marketplace — we match you with lenders, we don't lend or decide.
- 1
Tell us what you need
Loan amount, purpose and a few basics. Takes about two minutes.
- 2
We run a soft check
A soft inquiry finds your prequalified offers. It never affects your credit score.
- 3
Compare side by side
Sort real offers by APR, monthly payment or total cost — all in one view.
- 4
Continue with a lender
Pick an offer and finish with the lender. Only then might they do a hard pull.
Checking your rate won't affect your credit score
Why compare here
One soft check beats applying everywhere
Going direct, one by one
- Apply to each lender one at a time
- A hard inquiry with every application
- Hours of repeated forms
- No apples-to-apples view of rates
Comparing on YourFICOFixed
- One short form, one soft check
- No impact to your credit score
- Offers from 6+ lenders at once
- APR, payment & total cost side by side