CHECK YOUR RATE
See your real rate in two minutes, without touching your credit score
Answer a few questions and we will show you the rate, the amount and the term you qualify for on an auto, personal, mortgage or home equity loan. It is a soft credit check, so nothing changes on your report.
The credit check
What a soft pull is, in plain terms
There are two kinds of credit inquiry. A soft inquiry lets a lender look at your file to see what you would qualify for. It is visible only to you, it does not affect your score, and it does not show up to any other lender pulling your report. A hard inquiry happens when you formally apply for credit, is visible to everyone, and can shave a handful of points off your score for about a year.
Checking your rate here is a soft inquiry. Full stop. You can do it today, do it again in three weeks, and compare us against two other lenders in the same afternoon without any of it costing you a point.
Soft inquiry, what we do now
No score impact. Not shown to other lenders. Gives us enough to quote you an accurate rate and a real borrowing limit rather than a range.
Hard inquiry, only if you say go
Happens at full application, never before, and we tell you on screen right before it happens. Auto and mortgage shopping inquiries inside a 45-day window count as one.
Before you start
What you need in front of you
Four things. Nothing has to be uploaded and nothing has to be scanned.
You do not need to be a member to check your rate. If you decide to move forward, a $5 opening deposit makes you a member and part owner of the credit union. Federally insured by NCUA. This is a demonstration website; rates, products, and figures shown are illustrative only.
How long it takes
From open tab to a number on screen
Most people finish in under three minutes. Here is the whole path.
About 90 seconds of typing
Six fields, all of them things you know off the top of your head. No documents, no uploads, no account required to begin.
A soft check, about 10 seconds
We read your credit file with a soft inquiry and match it against our current pricing tiers. Your score is not affected in any way.
Your offers appear
You see the APR, the maximum amount and the available terms, along with the monthly payment at each one. If you do not qualify today, we say so plainly and tell you why.
You decide, on your schedule
Accept online, or save the quote and think about it. Offers hold for 30 days and we will email you the details so you have them in writing.
After the quote
What happens next
If I accept, what does Summit ask for?
Two recent pay stubs and a photo ID for most loans. Mortgages need more, and your loan officer sends one list rather than trickling requests out over a week.
Will anyone call me if I do nothing?
You get one email with your quote attached. If you asked to be contacted, a lending specialist calls once. We do not run a call center that dials people who did not ask.
Is my quoted rate guaranteed?
It is good for 30 days as long as the information you gave us checks out at full application. On mortgages, the rate is not locked until you have an accepted contract and ask us to lock.
What if I am declined?
You get a written explanation of the specific reasons, which is your right. Then a Summit lender will sit down with you and go through what would change the answer, including our credit builder loan.
Two minutes. No score impact. A real number.
The worst outcome is that you learn where you stand and go on with your day.