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Soft-search car finance: check without the footprint
Worried that just checking will make things worse? That is exactly what a soft search is for. It leaves no footprint on your credit file, is not visible to other lenders, and does not affect your score, however many times you check.
- FCA-authorised credit brokerNot a lender · FRN 954552
- No credit check until you say soSoft search only, no impact on your score
- Real dealership in KirkhamBlackpool Road, PR4 2RE · open 7 days
- Family-run, 30+ years in the tradeSpeak to the people who supply the car
- Collect from KirkhamDelivery may be available
The right order is an honest conversation, one soft check with your agreement, then a single application to the right lender. Not ten applications to the wrong ones.
Soft search versus hard search
- Soft search. A background check visible only to you. No effect on your score. Used for eligibility checks and quotes.
- Hard search. Recorded on your file and visible to other lenders for about 12 months. Happens only when you make a full application for credit.
What happens when you use our form
Sending us your details does not run any credit check at all; it tells us your situation. We call you, and only with your agreement do we run the soft-search eligibility check. Nothing touches your file in a way another lender can see, and nothing commits you to anything.
When would a hard search happen?
Only at the final application stage, after you have seen your likely terms and chosen to go ahead, and we tell you clearly before that point. You will never get a hard search from us just for checking.
Why this matters with adverse credit
If your file already has bruises, a string of hard searches makes it worse. One soft check first is simply the cheaper way round.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. We only run a soft-search eligibility check after we have spoken to you and you have agreed to it. A soft search does not affect your credit score and is not visible to other lenders. We are a credit broker, not a lender.
Three straightforward steps
No pressure at any point, and you are free to stop whenever you like. A hard credit search only ever happens at full application, and we will tell you before it does.
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Tell us where you stand
A short form, about two minutes. Sending it does not run any credit check by itself and puts you under no obligation.
No credit check at this stage -
We call you before anything is searched
A person reads your enquiry and phones you. Only once you have agreed do we run a soft-search eligibility check with lenders on our panel who consider adverse credit. A soft search leaves no footprint and other lenders cannot see it.
Invisible to other lenders -
We come back with honest options
Real figures on real cars from our Kirkham forecourt, or a straight explanation if we cannot help right now. You choose whether to go ahead.
Collect from Kirkham or ask about delivery
Work out a monthly figure you are comfortable with
£250.96 / month (illustrative)
These figures are illustrative only and not an offer of finance. They use the representative APR; your rate and payment depend on your circumstances and the lender's decision. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
Cars available on finance
*Estimated monthly figures are illustrative, based on the representative example in the footer.
Can I check more than once?
Yes. Soft searches do not affect your score no matter how many times you check.
Will I see the soft search on my file?
You will see it on your own report, but other lenders cannot, and it has no effect on your score.
When does it become a hard search?
Only when you submit a full application to a lender, after you have seen your likely terms and chosen to proceed. We flag this clearly first.
Our promise: we will tell you if we cannot help, and why. No one can guarantee car finance, and anybody who says otherwise is selling you something.
Two minutes. Soft search. Straight answer.
Tell us where you stand. It takes about two minutes, sending the form does not run a credit check by itself, and there is no obligation.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.