Tag hard pull

Digital Lending

What Most Borrowers Get Wrong About Soft vs Hard Pulls on Digital Lending Apps

Borrower reviewing soft and hard credit pull differences on a digital lending app

A hard pull can drop your score 5–10 points and sits on your report for 2 years—yet most borrowers trigger one without realizing it by accepting a pre-qualified offer.

Priya Venkataraman
January 7, 2026