Finance question
Can I get a finance quote without affecting my credit?
Yes. An indicative quote needs no hard credit check. We can give you a realistic idea of rate and repayment from the asset and a few details about your business, without touching your credit file. A formal credit enquiry only happens later, when you decide to proceed and we submit an application.
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The short answer
A quote first, a credit check only if you proceed
There are two separate steps, and people often blur them. A quote is an estimate. It is built from the asset, the amount, the term and a short profile of your business, and it does not require a hard credit enquiry. You can see indicative numbers without any mark on your file.
A hard credit check only comes into play when you decide to go ahead and we lodge an application with a lender. That enquiry does leave a footprint, which is exactly why we do not scatter it around. We place it once, with the lender most likely to approve your deal.
That order protects you. You get the information to make a decision first, then a single, well-targeted enquiry rather than several. Running across 40+ lenders, we can line up the right lender before anyone touches your credit file.
How the quote stage works
What we need, and what we do not.
The asset
What you want to finance, roughly, so we can price it.
Amount and term
The rough figure and how long you want to spread it.
A short profile
Basic business details, no tax returns needed to quote.
No hard check
Your credit file stays untouched at the quote stage.
Why quoting first is the smart order
See numbers risk-free
You can compare rate and repayment before anything hits your file.
One enquiry, not many
When you proceed, we place a single well-aimed application, not a scattergun.
Placed to approve
Across 40+ lenders, the enquiry goes to the lender most likely to say yes.
A real example
A cafe owner wants to know what a $40,000 fit-out would cost to finance. We give an indicative rate and monthly repayment from the asset and a short profile, with no credit check. Only when the owner decides to proceed do we lodge one application. Illustrative only.
Common questions
Frequently asked questions
Does getting a quote hurt my credit score?
No. An indicative quote is an estimate built from the asset and a short profile, with no hard credit enquiry on your file.
When does a credit check happen?
Only when you decide to proceed and we lodge a formal application. That is the point at which a credit enquiry is made.
How accurate is a quote without a credit check?
It is a realistic indication based on the asset and your details. The final rate is confirmed once a lender assesses the full application.
Will you shop my application around to many lenders?
No. We line up the right lender first, then place a single enquiry rather than triggering several checks.