Question 1

Is FinanceScore AI a lender?

Accepted Answer

No. FinanceScore AI is an independent comparison and application-support platform. We are not a lender, bank, credit union, or loan broker, and we do not make credit decisions or issue loans.

Question 2

Does comparing offers affect my credit score?

Accepted Answer

No. Reviewing offers and completing our eligibility questionnaire does not trigger a hard credit inquiry. A hard inquiry may occur only if you choose to complete a formal application with a third-party provider.

Question 3

Are the rates shown on this site guaranteed?

Accepted Answer

No. All rate ranges, amounts, and terms shown are illustrative examples for generic lender types. Your actual rate depends on the provider's underwriting, your credit profile, income, state of residence, and other factors. Rates may vary.

Question 4

How much does FinanceScore AI cost to use?

Accepted Answer

Comparing offers and checking your eligibility is free. Optional application-support plans are available separately and are clearly priced before purchase.

Question 5

Which states do you serve?

Accepted Answer

We serve consumers across the United States, though product availability and provider participation vary by state.

Question 6

What information do I need to check eligibility?

Accepted Answer

Basic details such as your loan purpose, desired amount, employment and income range, approximate credit profile, and contact information. You never need to provide a full Social Security number to compare offers on this site.

Question 7

How is my data protected?

Accepted Answer

Information is transmitted over an SSL-encrypted connection and handled according to our Privacy Policy. We do not sell your data to unrelated advertisers.

Question 8

Can I compare offers with bad credit?

Accepted Answer

Yes. Our comparison includes lender types that work with fair and non-prime credit profiles. Approval is never guaranteed and is determined by the provider.

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