First, we will access your credit file through a soft-pull inquiry from the credit bureau to determine financing eligibility. Soft-pull inquiries do not adversely impact your credit rating.
Next, once you have accepted your financing offer, you will be asked to review and agree to "Application Consents and Disclaimers" and complete the identity verification process. At this point, a hard credit pull will be initiated to confirm final approval. In most cases, a single hard inquiry will not dramatically affect your credit score.