The WalletHub answer is outdated; the day we applied this had changed; had we applied that morning the person taking our app said he would have said two hard pulls; he had been notified a couple of hours before we called that the policy had changed- that now a soft pull only would apply as far as the membership app was concerned. Of course any loan app would require a hard pull.
Be aware, however, that should you apply for more than one kind of loan there, even on the same day, that they will require a separate pull for each.
Also, btw, 2 hard pulls within a year can make a MAJOR impact on your score. Although the hard pulls affect your score for a maximum of a year, they do remain on your credit report for two years. Each creditor is going to have its own algorithm-what the computer program searches for- and if there is a setting for number of credit pulls in whatever number of years it can affect whether or not you get your card/loan and/or what interest rate you get.
Hard credit pulls can impact your score as much as 10% ! Much depends on your particular credit history.
A warning: if you switch from one cell phone provider or cable company, they will do a hard pull. Make every effort to see if there is an alternative-n including giving them a deposit. Get a manager- not just a supervisor if you are getting nowhere, and make sure you state clearly you do not want a hard pull (naturally if this is the only way you can get the service, you have to take the hard pull). Another major warning: DirecTV pulled this on me a few years ago: I said I didn't want the pull, so the rep said OK- and then asked for my address instead of my SS#: I thought this was just to check utility records throughout the years- I have lived here for over 40 years- but it turns out they were able to do a hard pull just through an address! What they did to me was ILLEGAL since they went expressly against my wishes; they refused to reverse the pull and I should have reported them and even sued. They would have paid a good-sized penalty.