You can check your rate through LendingClub as many times as you like, with no impact to your credit score. No one except you can see the soft credit inquiries on your credit report. However, once you accept an offer and are approved for an auto refinance loan, we will do a hard credit check which will post to your credit report, indicating that you have accessed credit from LendingClub Bank. This may or may not impact your credit score in the short term.