Fast. Free. No impact on credit score.
Soft Search Loans
Fast. Free. No impact on credit score.This won’t affect your credit score
Soft credit check loans let us check your eligibility to borrow without leaving a mark on your credit footprint. Instead, when you submit your application, we run a soft check to see whether the loan is right for you. Only you can see this search.
Applying for a loan can be a stressful process, especially if you’re worried about your credit history or the risk of rejection. Lenders often require a ‘hard’ credit search to check your eligibility to borrow, which can leave a footprint on your file for other lenders to see.
But we understand that too many applications like these can bring down your credit score and make it tougher to find the credit you need. That’s why we offer soft search loans.
We’ll only follow up with a hard check if your initial application is successful, so you don’t have to worry about the outcome affecting future loan applications.
Take the stress out of finding a loan with our accessible range of soft search loans. Choose between secured and unsecured options to find a loan that suits your needs. Then complete your application without affecting your credit footprint, for added peace of mind. Take the stress out of finding a loan with our accessible range of soft search loans. Choose between secured and unsecured options to find a loan that suits your needs. Then complete your application without affecting your credit footprint, for added peace of mind.
Not every situation requires the same kind of loan. There are two types of loans available, each with unique features to suit different circumstances.
A secured loan is where you borrow money secured against an asset – usually your home. If you don’t keep up with your repayments, you may lose the asset you used to secure the loan.
With an unsecured loan, sometimes known as a personal loan, the money you can borrow is determined by your credit score. It won’t be secured to any of your assets in the way a secured loan is.
The main difference between a hard and soft credit check is that a soft search is only visible to you, while a hard search appears on your credit report for other lenders and companies to see.
A hard search can also drive your credit score down as each check leaves a mark on your file – too many of these marks can make you seem a higher risk to lenders. Check out our guide to hard vs soft credit checks for more information.
You can use soft search loans for any purpose, but your lender might want to know what your intentions are. People tend to apply with a specific, large project in mind, such as:
Borrow to raise the funds for the materials you need to redecorate, or build an extension.
Car purchase loans can be cheaper than dealership finance plans, with rates available to suit your requirements.
Save on fees and hassle by clearing other existing debts, in favour of a single monthly repayment, with a debt consolidation loan.
Give your start-up a boost or grow your customer base. Business loans can help give you the edge over your competitors.
Whether you’re looking to borrow money for home renovations or consolidate pre-existing debts, Norton Finance has a range of soft search loans to suit your financial situation.
Unlike banks and building societies, we’re flexible with the products we offer. So, you can use our site to scour the market and compare different loans. Choose to borrow anywhere from £3,000 to £500,000, over any period between one and 30 years.
We’ll use our soft credit check to make an ‘in principle’ decision on your loan application within 24 hours. Following approval, we can then make a direct payment in around 14 days.
Use our loan calculator to find out how much you might want to apply for, by adjusting the sliders to determine your ideal loan amount and term. You’ll then have an idea of the cost of monthly repayments.
Applying for a loan with Norton Finance is easy and hassle-free. Simply:
At Norton Finance, we can help find a loan that suits your needs as we compare hundreds of loan options, not just one like a bank or building society.
You could borrow between £3,000 and £500,000, over 1 to 30 years, depending on what works best for you. Unsure of how much you can afford to borrow? Try our loan calculator.
You can get a decision in principle within 24 hours and if approved, the money is usually paid within 14 days.
Click apply for a loan to start your journey
Fill out our online form for your personalised rates
Get the loan that best suits your circumstances