Auto Refinance Quote Without Credit Pull | Soft Credit Pull vs Hard Pull Which is best for a Pre-Approval.

Dakota DeRego
Jun 28
3 min read

When you’re thinking about refinancing your auto loan, one of the biggest concerns is usually: "Will checking my rate hurt my credit score?"At Digital Auto Refi Co, we’ve built our process around making sure it doesn’t.

In fact, we don’t even pull your credit to provide your quote. Instead, we use the credit score that you provide to us to shop for your best refinance options—keeping your credit safe and untouched during the quote stage.

Let’s break down what a soft credit pull actually is, why lenders often use it for pre-approvals, and how our process protects your score entirely until you’re ready to move forward.

What Is a Soft Credit Pull?

A soft credit pull (or soft inquiry) is a type of credit check that does not affect your credit score. It provides lenders with a general overview of your creditworthiness without leaving a mark on your report.

Soft pulls are commonly used for:

Pre-approvals for loans or credit cards
Background checks by employers
Checking your own credit score

However, at Digital Auto Refi Co, we go one step further:We don’t even run a soft pull during the quote stage.We rely on the credit score you provide to us to generate your personalized refinance options.

How Our Quote Process Works (No Pulls, No Risk) Auto Refinance Quote Without Credit Pull!!

Here’s how we do it differently:

You provide your credit score range.We’ll ask you for your estimated credit score or range (most customers get this from free credit monitoring apps like Credit Karma, Experian, or directly from their bank). Auto Refinance Quote Without Credit Pull
We use that info to shop multiple lenders.Using your self-reported score, we get you real, pre-qualified refinance quotes from our network of lenders—without pulling your credit at all.
You choose whether to move forward.If you like the rates and terms we show you, and want to formally apply, that’s the only time a lender would run a hard credit pull to finalize your approval.

This keeps your credit score safe while you explore your options.

Why This Approach Benefits You

✅ Zero Impact on Your Credit for a Quote:Unlike some lenders that run a soft pull (or even a hard pull) just to show you rates, we don’t pull anything until you’re ready to proceed.

✅ Quick, No-Obligation Quotes:Because we use your provided score, you’ll get fast rate estimates without any paperwork or credit checks.

✅ You Stay in Control:You choose when (or if) you want a hard pull to happen—only when you’re confident the deal makes sense.

✅ Accurate Rate Estimates:Our lending partners accept customer-provided credit score ranges for pre-qualification, so your rate estimates are based on real criteria.

Soft Pulls vs. Hard Pulls: Quick Comparison

While we avoid all pulls during the quote stage, here’s a quick refresher on the difference if you ever reach the formal application step:

Feature	Soft Pull	Hard Pull
Affects Your Credit?	No	Yes (temporary, small drop)
Visible to Lenders?	No	Yes
Used For?	Pre-approvals, background checks	Final loan applications
Triggers Alerts?	No	Yes

Final Step: When Would a Hard Pull Happen?

The only time your credit report would be affected is if you decide to officially apply with one of our partner lenders and finalize your loan. We believe this Auto Refinance Quote Without Credit Pull is the best way to serve our customers! This is standard practice for any loan approval and ensures lenders verify your full credit profile.

But by that point, you’ll already know your estimated rate, loan term, and monthly payment—so there are no surprises.

Final Thoughts: Explore Your Options Without Risking Your Credit

At Digital Auto Refi Co, protecting your credit is a top priority.That’s why we use your provided credit score for quotes and only involve a lender pull if—and when—you choose to apply.

If you’ve been hesitant to shop for better auto loan rates because you’re worried about your credit score, now’s the time to explore—with zero risk.

Get your free, no-credit-impact quote today at www.digitalautorefi.com.

You’ve got nothing to lose… and potentially a lot to save!