Pre-qualification Terms
Last Updated April 18, 2019
WALLETHUB IS A SERVICE OWNED AND OPERATED BY EVOLUTION FINANCE, INC., A DELAWARE CORPORATION. IN THESE TERMS, WALLETHUB AND EVOLUTION FINANCE WILL BE USED INTERCHANGEABLY.
WalletHub's Pre-qualification Service makes it easy to find loan offers that you may qualify for. By using this service, you agree to the terms below in addition to the E-Consent Terms and the Terms of Use.
Sharing Information
I authorize WalletHub to share my personal information with their partners, on an ongoing basis, for the purpose of identifying offers that I am pre-qualified for ("pre-qualified offers"). I understand that WalletHub will share this information periodically and that each submission will be considered a "pre-qualified request".
Permission for Soft Inquiries
I hereby authorize WalletHub's partners to obtain and use my credit history information from any of the consumer reporting agencies (e.g. Transunion, Equifax, Experian). I understand that these will be soft inquiries with no impact on my credit score. I also understand that the sole purpose of these inquiries is to identify pre-qualified offers for me.
Non-Guaranteed Offers
Any pre-qualified offer I receive through WalletHub's Pre-qualification Service does not guarantee loan approval. I understand that WalletHub is not a lender and does not make loans, loan commitments or lock-rates. WalletHub's partners make all credit decisions, including eligibility for pre-qualified offers, loan approval, and the conditional rates and terms you are offered. Although checking for pre-qualified offers is done without a hard inquiry into your credit history and without impacting your credit score, actually applying for a pre-qualified offer will result in a hard inquiry that may affect your score.
Pre-Qualified Offer Limitations
I understand that WalletHub does not partner with all financial service companies. I also understand that these pre-qualified offers may not include all available products from these partners. I further understand that WalletHub determines which partners they will share my information with and how often they will share it with them, based solely on WalletHub's discretion and for as long as I have a WalletHub account. WalletHub may restrict your ability to use the Pre-Qualification Service based on prior usage and your credit history. For example, a user who is currently severely delinquent on a loan or line of credit may not be able to use the Pre-Qualification Service because they will most likely be ineligible to receive any pre-qualified offers from WalletHub's partners.
Electronic Consent
I give my express written consent for WalletHub and WalletHub's partners to send me electronic communications regarding pre-qualified requests. By doing so, I am agreeing to the terms of this E-Consent and acknowledging that electronic communications include any pre-qualified offer, notices, disclosures, and any documentation required by law.
Notifications
I understand and agree that WalletHub may send me communications and notifications regarding pre-qualified offers from requests submitted on my behalf. I understand that I can opt-out of these communications at any time by modifying my settings.