Know if you're approved in minutes.
One soft credit check — never a hard inquiry — gets you a real yes or no on your loan, directly from Eazy Lending. No waiting days to find out.
Three steps. No surprises.
Here's exactly what happens after you hit submit — no runaround, no waiting by the phone.
Tell us the basics
Contact info, income, and an estimate of your credit. About two minutes.
We run a soft pull
A real look at your credit profile that never dings your score.
Funds hit your account
Accept your offer and funding goes straight to your bank.
Ways to get funded
Depending on your profile, you may qualify for more than one of these.
Business line of credit
A revolving line of credit — only pay on what you actually use, draw again as needed.
- Reusable, draw whenever you need it
- Soft pull only to check eligibility
- No hidden fees
0% interest card stacking
Multiple 0% intro APR cards to launch or grow — plus the cash back and rewards that come with them.
- 0% intro APR for up to 18 months
- Soft pull only to check eligibility
- Cash back and rewards included
Personal unsecured term loan
A 5-year loan that can pay down card balances, raise your score, and set up 0% qualification.
- Fixed payments, 5-year term
- Soft pull only to check eligibility
- Can boost future approval odds
Short-term business loan (MCA)
Fast access to funds for any business expense — payroll, inventory, or an unexpected cost.
- Fast turnaround once approved
- Soft pull only to check eligibility
- No hidden fees
Why "soft pull" is the whole point
Most people put off checking their options because they're afraid of what it'll do to their score. Here's the real difference.
Hard inquiry
- Shows up on your credit report
- Can lower your score a few points
- Visible to other lenders for up to two years
Soft pull
- Only visible to you
- Zero impact on your score
- Check as often as you want
Questions people actually ask
Will checking my rate hurt my credit score?
No. Checking your rate uses a soft credit pull, which never affects your score and isn't visible to other lenders. You'll only see a hard inquiry if you formally accept a specific offer, and we'll tell you before that happens.
How fast is "minutes," really?
Once your application and soft pull are complete, underwriting runs automatically — most applicants see a decision well before they'd finish a coffee. Complex applications may take a bit longer for manual review.
What do I need to apply?
Basic contact details, your address, your income, and an estimate of your credit score. Nothing to upload just to check your rate.
Is Eazy Lending the actual lender?
We evaluate your application and connect you with financing that fits your profile. Full terms, rates, and the identity of your funding source are disclosed clearly before you sign anything.
What if I don't qualify?
Since it's a soft pull, there's no cost or credit impact to checking. If you don't qualify today, you're welcome to check again later — nothing about applying counts against you.