We conduct a soft credit pull to get you pre-qualified rates. The soft pull allows us to quickly offer you an accurate estimate of your rates, and it does not affect your credit score. Once you have submitted your application, we or our lending partners complete a hard credit inquiry to verify the identity and information of all people signing the application. This allows Splash and our lending partners to ensure that you’re receiving the best rate possible on your loan! Note: A hard credit inquiry appears on your credit report and can influence your credit scores.