Check Your Rate Platform Terms for Loans

Legal Rights & Agreement Rules · Procedure

Read and keep the information

The notice asks you to read the information carefully and print or retain it for future reference.

Details not recorded for this card

Supporting quotations

Please read this information carefully and print a copy and/or retain this information for future reference.

Legal Rights & Agreement Rules · Context

Signing up and using the platform means agreeing to these terms

These terms apply when you sign up for and use Credit Karma’s Check Your Rate Platform for loans.

Details not recorded for this card

Supporting quotations

By signing up for and using the Check Your Rate Platform, you agree to the following terms:

Sharing & Disclosure · Permission or license

Credit Karma may repeatedly share your profile to seek loan offers

You authorize Credit Karma to periodically share personal profile information it has collected about you with current or future participating loan providers or loan platforms. The purpose is to identify and return certain personal loan or auto loan offers. Enrollment and the authorizations last one year.

Details not recorded for this card

Supporting quotations

I authorize Credit Karma to periodically share personal profile information it has collected about me with current or future participating loan providers or loan platforms (“participating providers”) so that they can identify and return certain personal loan or auto loan offers (each such submission, an “offer request”).

I understand that my enrollment in the Check Your Rate Platform and the authorizations granted herein will remain valid for a one-year period.

Cross-references

• qualified by (model-proposed): Enrollment and authorizations last one year — The one-year enrollment period limits the authorization to share profile information for offer requests.

Data Access & Collection · Permission or license

Offer checks use soft inquiries without affecting your credit score

You authorize each participating provider to obtain and use your consumer report information from one or more reporting agencies, such as TransUnion, Equifax or Experian, solely to respond to an offer request. These soft inquiries do not affect your credit score. This authorization lasts one year with enrollment; a later application may involve a hard inquiry that can affect your score.

Details not recorded for this card

Supporting quotations

I authorize each participating provider to obtain and use consumer report information about me from one or more consumer reporting agencies (such as TransUnion, Equifax or Experian). These soft inquiries will not impact my credit score and my consumer report information will be used solely in connection with responding to an offer request.

While checking for these offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for these offers with a participating provider, that provider may run a hard inquiry, which can impact my credit score.

I understand that my enrollment in the Check Your Rate Platform and the authorizations granted herein will remain valid for a one-year period.

Cross-references

• contrast (model-proposed): Applying for an offer may affect your credit score — The no-impact promise covers checking for offers; a later application may involve a hard inquiry that affects the score. These statements concern different stages, not conflicting promises.
• qualified by (model-proposed): Enrollment and authorizations last one year — The one-year enrollment period limits the authorization for participating providers to obtain consumer reports for offer requests.

Charges & Financial Obligations · Restriction or exception

An offer or approval is not guaranteed

The platform does not guarantee that you will receive an offer or be approved. You still need to submit an application with a participating provider.

Details not recorded for this card

Supporting quotations

I understand that Credit Karma’s Check Your Rate Platform does not guarantee that I will receive an offer or an approval, and I will still need to submit an application with participating providers.

Charges & Financial Obligations · Restriction or exception

Applying for an offer may affect your credit score

Checking for offers through the platform does not create a hard inquiry or affect your credit score. If you choose to apply with a participating provider, that provider may run a hard inquiry, which can affect your score.

Details not recorded for this card

Supporting quotations

While checking for these offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for these offers with a participating provider, that provider may run a hard inquiry, which can impact my credit score.

Cross-references

• contrast (model-proposed): Offer checks use soft inquiries without affecting your credit score — The no-impact promise covers checking for offers; a later application may involve a hard inquiry that affects the score. These statements concern different stages, not conflicting promises.

Charges & Financial Obligations · Context

The platform does not cover every provider or product

Many, but not all, financial service providers participate. Even a participating provider’s full product range may not be included, so the platform is not a complete listing of available financial products.

Details not recorded for this card

Supporting quotations

I understand that many, but not all, financial service providers participate in the Check Your Rate Platform and that the platform may not include every product offered by participating providers.

Use & Processing · Company practice

Credit Karma chooses when and where to check for offers

Credit Karma has sole discretion over the timing and frequency of offer checks and the participating providers it checks with. It bases those decisions on provider criteria, the availability of information needed to identify offers, and other relevant factors.

Details not recorded for this card

Supporting quotations

I further understand that Credit Karma will determine, in its sole discretion, when, how often, and with which participating providers it checks for these offers based on criteria from each participating provider, availability of information needed to identify such offers and other relevant factors.

Account & Service Control · Permission or license

Offer communications arrive electronically

You consent to electronic communications from Credit Karma or participating providers about offer requests, under the linked E-Consent Terms. This includes responses and applicable legally required notices or disclosures. Offer notifications are included only when enabled, and you can turn those notifications off in Communications & Monitoring Settings. The platform’s authorizations last one year.

Details not recorded for this card

Supporting quotations

I consent to receive communications about offer requests electronically from participating providers or Credit Karma as described in these E-Consent Terms. These electronic communications include responses to offer requests, any applicable notices or disclosures required by law and, when enabled, the notifications about offers described in the following paragraph.

Notifications About New or Recommended Offers (optional). I understand and agree that Credit Karma will send me email or push notifications to tell me about recommended offers I receive from offer requests submitted on my behalf. I understand that I can adjust my Communications & Monitoring Settings to turn off these offer notifications.

I understand that my enrollment in the Check Your Rate Platform and the authorizations granted herein will remain valid for a one-year period.

Not stated here

• The linked E-Consent Terms are not supplied here; their additional conditions and withdrawal procedures are not analyzed.

Cross-references

• qualified by (model-proposed): You can turn off recommended-offer notifications — Offer notifications are optional and can be switched off; the electronic consent also covers responses and applicable required notices.
• qualified by (model-proposed): Enrollment and authorizations last one year — The one-year provision applies to enrollment and the authorizations in these platform terms, including electronic communications consent; it does not supply the separate linked terms.

Account & Service Control · User right or choice

You can turn off recommended-offer notifications

Credit Karma sends email or push notifications about recommended offers from requests submitted on your behalf when these optional notifications are enabled. You can turn them off in Communications & Monitoring Settings. This setting is described for offer notifications; the separate consent also covers offer-request responses and applicable required notices.

Details not recorded for this card

Supporting quotations

Notifications About New or Recommended Offers (optional). I understand and agree that Credit Karma will send me email or push notifications to tell me about recommended offers I receive from offer requests submitted on my behalf. I understand that I can adjust my Communications & Monitoring Settings to turn off these offer notifications.

I consent to receive communications about offer requests electronically from participating providers or Credit Karma as described in these E-Consent Terms. These electronic communications include responses to offer requests, any applicable notices or disclosures required by law and, when enabled, the notifications about offers described in the following paragraph.

Not stated here

• The linked E-Consent Terms are not supplied here; this source does not establish whether disabling offer notifications withdraws that separate consent.

Cross-references

• qualifies (model-proposed): Offer communications arrive electronically — Offer notifications are optional and can be switched off; the electronic consent also covers responses and applicable required notices.

Account & Service Control · Context

Enrollment and authorizations last one year

Your enrollment in the Check Your Rate Platform and the authorizations in these terms remain valid for one year.

Details not recorded for this card

Supporting quotations

I understand that my enrollment in the Check Your Rate Platform and the authorizations granted herein will remain valid for a one-year period.

Not stated here

• This source does not explain renewal or an early withdrawal procedure.

Cross-references

• qualifies (model-proposed): Credit Karma may repeatedly share your profile to seek loan offers — The one-year enrollment period limits the authorization to share profile information for offer requests.
• qualifies (model-proposed): Offer checks use soft inquiries without affecting your credit score — The one-year enrollment period limits the authorization for participating providers to obtain consumer reports for offer requests.
• qualifies (model-proposed): Offer communications arrive electronically — The one-year provision applies to enrollment and the authorizations in these platform terms, including electronic communications consent; it does not supply the separate linked terms.