You cannot get pre-approved for the SoFi Credit Card. However, applying for this card will not impact your credit score. When you apply, SoFi conducts a harmless, soft pull that will not affect your credit score.
If you get approved, then Sofi will do a hard pull, which will lead to a slight but temporary decrease in your credit score.
SoFi Credit Card Approval Requirements
The SoFi Credit Card’s main approval requirements include having at least good credit and being a U.S. resident who is at least 18 years old.
SoFi credit card approval odds are best for people with good credit scores of good+, enough income to pay the bills, minimal debt, and steady employment. Each applicant will also need to be 18+ years old with a U.S. mailing address and an SSN.
While credit scores are very important, SoFi credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. SoFi will also look at housing costs and existing debts when considering your application.
If you want to get a better sense of your approval odds before applying for a SoFi credit card, you can always check to see if you’re pre-qualified for any offers on the SoFi website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
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