What kind of credit check is done?

When you apply for a loan through Bonsai Finance, we connect you with hundreds of lenders... almost instantaneously. Once you are aligned with a lender, they will do a "soft" credit check that won't affect your credit score.

Based on customer feedback, we learned that our customers had their credit scores affected in the past when they applied for a loan and were turned down. That won't happen with Bonsai Finance. In some instances, the lenders will ask you if they can do a hard credit check before final approval. Don't worry - that will only happen with your consent, and is not that frequent.