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Where to get pre-approval for cards and loans

70 banks, credit unions and fintech companies with an approval check that doesn't hit your score (soft pull), with direct links.

10 minutesReference
Capital OneChaseDiscoverAmerican Express

The main thing about verification

Soft pull

A pre-approval check. Doesn't affect your score, visible only to you. Do it as many times as you like.

Hard pull

Only at the final application. May temporarily lower your score and is visible to creditors for 2 years.

Pre-approval is a strong signal, but not a guarantee: the final step still goes through a hard pull.

Three categories

  • Prime. Top issuers, high limits. A good score is needed.
  • Mid-tier. Fair credit: store cards, regional banks, credit unions.
  • Subprime. Credit rebuilding. Low limits and high fees.

Section 1 · Credit cards · 44

1. American ExpressChoose a card and use Apply With Confidence. PRIME $1,000 – $50,000+ Check →Check →
2. Capital OneGeneral checker, usually shows several matching cards. PRIME $1,000 – $30,000+ Check →Check →
3. ChaseCheck your personal pre-approved offers. PRIME $500 – $50,000+ Check →Check →
4. DiscoverOn the page click See if you're pre-approved. PRIME $500 – $25,000+ Check →Check →
5. Bank of AmericaPersonalized / customized offers. PRIME $500 – $50,000+ Check →Check →
6. Wells FargoDirect prequalification form. PRIME $1,000 – $25,000+ Check →Check →
7. U.S. Bank Smartly VisaOn the page click See if I'm pre-approved. PRIME $500 – $25,000+ Check →Check →
8. U.S. Bank Cash+ VisaCheck on the specific card's page. PRIME $300 – $25,000+ Check →Check →
9. U.S. Bank Altitude GoCheck on the specific card's page. PRIME $300 – $25,000+ Check →Check →
10. U.S. Bank Altitude ConnectCheck on the specific card's page. PRIME $500 – $25,000+ Check →Check →
11. U.S. Bank Shield VisaCheck on the specific card's page. PRIME $500 – $25,000+ Check →Check →
12. Navy Federal Credit UnionNFCU membership required. PRIME $500 – $30,000+ Check →Check →
13. PenFed Credit UnionCheck the availability of PenFed offers. PRIME $500 – $25,000+ Check →Check →
14. Capital One BusinessFor business cards. PRIME $2,000 – $50,000+ Check →Check →
15. Apple CardThrough the Wallet app on iPhone; issuer Goldman Sachs (moving to Chase). PRIME $250 – $25,000+ Check →Check →
16. CitiDirect pre-screen offers form. PRIME $500 – $50,000+ Check →Check →
17. Amazon Prime Visa (Chase)The prequal link appears after signing in to your Amazon account. PRIME $500 – $25,000+ Check →Check →
18. BarclaysMostly bank-initiated offers (mail / email). PRIME $1,000 – $25,000 Check →Check →
19. USAABank-initiated pre-approval; membership required. PRIME $1,000 – $25,000 Check →Check →
20. Alliant Credit UnionPrequal after joining (membership ≥90 days). PRIME $1,000 – $25,000 Check →Check →
21. SoFi Credit CardCashback card; soft-pull approval check. PRIME $1,000 – $25,000+ Check →Check →
22. Citizens BankCard overview; check your personal offers. PRIME $500 – $25,000 Check → MID-TIER Available with fair credit.Check →
23. Mission LaneAimed at fair / rebuilding credit. MID-TIER $300 – $3,000 Check →Check →
24. Avant Credit CardCheck the APR and fees before accepting. MID-TIER $300 – $3,000 Check →Check →
25. Upgrade CardA hybrid of a card and an installment line. MID-TIER $500 – $25,000 Check →Check →
26. PetalMay look at bank statements; for a thin credit file. MID-TIER $300 – $10,000 Check →Check →
27. Prosper CardSoft-pull prequalification. MID-TIER $500 – $3,000 Check →Check →
28. Synchrony BankPrequal via a specific retailer's site (Amazon, Sam's Club, etc.). MID-TIER $200 – $10,000+ Check →Check →
29. Comenity (Bread Financial)Prequal for each brand separately; the last 4 of your SSN is often enough. MID-TIER $250 – $10,000+ Check →Check →
30. Kohl's Card (Capital One)Prequal form in the site footer. MID-TIER $300 – $3,000 Check →Check →
31. Home Depot (Citi)Citi Retail Services prequal. MID-TIER $300 – $10,000+ Check →Check →
32. FNBO (First National Bank of Omaha)Shows the amount and APR; Experian FICO 9. MID-TIER $1,000 – $25,000 Check →Check →
33. Regions BankCurrently mostly for existing Regions clients. MID-TIER $500 – $20,000 Check →Check →
34. SchoolsFirst FCUPre-approval inside Online Banking (California). MID-TIER $500 – $20,000 Check →Check →
35. Sound Credit UnionMy Sound Offers; soft pull (Washington). MID-TIER $500 – $15,000 Check →Check →
36. KeyPoint Credit UnionGet Prequalified (Bay Area, CA). MID-TIER $500 – $15,000 Check →Check →
37. Bangor Savings Bank (EverBlue)See if you're pre-approved; a regional bank (New England). MID-TIER $500 – $15,000 Check →Check →
38. TD BankCheck your personal pre-approved offers from TD. MID-TIER $300 – $20,000 Check → SUBPRIME For rebuilding — a real chance of approval.Check →
39. Credit One BankSee if You Pre-Qualify; for credit rebuilding. SUBPRIME $300 – $1,500 Check →Check →
40. Merrick BankSoft-pull; limit doubles after 7 on-time payments. SUBPRIME $550 – $1,350 Check →Check →
41. Indigo MastercardConcora Credit; rebuilding, including after bankruptcy. SUBPRIME $300 – $1,000 Check →Check →
42. Milestone MastercardConcora Credit; starting limit from $700. SUBPRIME $300 – $1,000 Check →Check →
43. Destiny MastercardGenesis / Concora; for weak credit. SUBPRIME $300 – $1,000 Check →Check →
44. Aspire (Cash Back Mastercard)No deposit, limit up to $1,000, up to 3% cashback; rebuilding. SUBPRIME $500 – $1,000 Check → S E C T I O N 2 Personal loans 26 PRIME Top issuers, high limits — a good score is needed.Check →

Section 2 · Personal loans · 26

1. SoFiView Your Rate / soft-pull prequalification. PRIME $5,000 – $100,000 Check →Check →
2. Discover Personal LoansCheck Your Rate. PRIME $2,500 – $40,000 Check →Check →
3. PenFed Credit UnionOn the page choose Check My Rate / Pre-qualify. PRIME $600 – $50,000 Check →Check →
4. First Tech Federal Credit UnionA preliminary check, then a full application. PRIME $500 – $50,000 Check →Check →
5. Citizens BankCheck rate with no impact on your score. PRIME $5,000 – $50,000 Check →Check →
6. TruistPrequalify for personal loans. PRIME $3,500 – $50,000 Check →Check →
7. PNC BankCheck rate; for clients and new applicants. PRIME $1,000 – $35,000 Check →Check →
8. Navy Federal Credit UnionNFCU membership required. PRIME $250 – $50,000 Check →Check →
9. Alliant Credit UnionAlliant membership required. PRIME $1,000 – $100,000 Check →Check →
10. USAAMembership; soft-pull rate check. PRIME $1,000 – $100,000 Check → MID-TIER Available with fair credit.Check →
11. LendingClubPreliminary terms before a full application. MID-TIER $1,000 – $40,000 Check →Check →
12. UpstartCheck Your Rate. MID-TIER $1,000 – $50,000 Check →Check →
13. UpgradeSoft-pull rate check. MID-TIER $1,000 – $50,000 Check →Check →
14. AvantAlso suitable for fair credit; check the APR and fees. MID-TIER $2,000 – $35,000 Check →Check →
15. Best EggCheck Your Rate; soft-pull prequalification. MID-TIER $2,000 – $50,000 Check →Check →
16. ProsperP2P lender; preliminary rates. MID-TIER $2,000 – $50,000 Check →Check →
17. Happy MoneyFor card refinancing; soft-pull. MID-TIER $5,000 – $40,000 Check →Check →
18. Achieve (FreedomPlus)Check rate; allows a co-borrower. MID-TIER $5,000 – $50,000 Check →Check →
19. Universal CreditFor fair credit; soft-pull. MID-TIER $1,000 – $50,000 Check →Check →
20. LendingPointCheck Your Rate; fair credit. MID-TIER $2,000 – $36,500 Check →Check →
21. Rocket LoansSoft-pull rate check. MID-TIER $2,000 – $45,000 Check →Check →
22. Reach FinancialCard consolidation; preliminary rates. MID-TIER $3,500 – $40,000 Check → SUBPRIME For rebuilding — a real chance of approval.Check →
23. OneMain FinancialPrequal; also works with weak credit. SUBPRIME $1,500 – $20,000 Check →Check →
24. OportunSuitable for a thin credit file. SUBPRIME $300 – $10,000 Check →Check →
25. NetCreditSoft-pull; subprime segment. SUBPRIME $1,000 – $10,000 Check →Check →
26. Mariner FinancePrequal; for weak credit. SUBPRIME $1,000 – $25,000 Check →Check →

Informational material. Limits are approximate ranges and depend on income, score and history. 2026 edition.

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