Frequently Asked Questions
Why do I see an inquiry from Union Credit on my credit report?
The inquiry you’re seeing on your credit report was a soft inquiry, meaning it had no impact on your credit score. Soft inquiries occur when financial institutions check your credit to provide pre-qualified offers, but they do not affect your credit history or rating.
If you prefer not to receive future pre-qualified offers, we recommend opting out of prescreened credit offers by visiting OptOutPrescreen.com.
I received a mailer about qualifying for a loan. How can I get more information?
If you received a mailer from Further, congratulations! This means you’ve been pre-approved for a loan offer from a trusted local credit union in your community.
Further connects consumers with competitive loan options from credit unions that prioritize community-focused banking. There’s no obligation to accept the offer, and checking your eligibility won’t impact your credit score.
For more details, visit gofurther.app or reach out to our support team at support@gofurther.app. We’re happy to help!
Can I apply for a loan directly through Union Credit?
No, Union Credit itself does not issue loans. We provide a marketplace where credit unions offer pre-approved and pre-qualified loan options. If your pre-approval has expired, you may still be eligible to apply directly through one of our credit union partners.
Do Union Credit’s lending partners perform a hard or soft credit pull?
Our credit union partners conduct a soft pull when determining pre-approval eligibility, which does not impact your credit score. However, if you choose to proceed with a loan application, the credit union may perform a hard pull as part of their final approval process.
What should I do if my pre-approval has expired?
If your pre-approved offer has expired, you may still qualify for a loan with one of our credit union partners. Our offers refresh each month, so if your offer is no longer available, you will receive an email next month with any new pre-approved loan offers that match your profile. In the meantime, you can visit our marketplace via the link or QR code you received to check for other available loan options.
