We use modern financial tools and proprietary AI to help us identify members that are the right fit for a Flexline and to determine the amount of the credit line and their rate setting. The application process is simple and takes just minutes to complete and will not affect your credit score. We simply require you to authorize a soft credit pull and to link your banking information using Plaid, a secure system trusted by 15,000 financial companies and 50 million users worldwide.
When you are pre-approved and if you choose to accept the Flexline, we do require a hard credit check. The hard credit check and opening of a new account may impact your credit score.