Financing

How do I get started with Enhancify?

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You can complete Enhancify's form online within seconds. Once you submit your information, Enhancify will immediately match you with your best options available based on your situation.

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What is an unsecured loan?

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An unsecured loan, also referred to as a personal loan, is a loan that is based solely on the borrower's creditworthiness, rather than by any type of collateral. An unsecured loan can be used for almost any purpose, including home improvements, debt consolidation, wedding expenses, etc.

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What is a secured loan?

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A secured loan is a loan that uses an asset, such as a car or home, as collateral. If you default on the loan, the bank/lender can repossess the car or home.

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Does Enhancify have any credit requirements?

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No, our partner network is comprised of a variety of lenders or other solution providers to assist with all credit situations and needs.

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Am I obligated to proceed with any of the options Enhancify matched to me?

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No, if you apply to a lender and for whatever reason you decide not to move forward, you are not obligated to accept the loan.  We do recommend you notify the lending provider as to why you don't want to proceed with the application or the acceptance of the loan offer.

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Does Enhancify have lenders who deal with less-than-perfect credit?

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Yes, we do! We have Lenders who work with borrowers with poor to excellent credit. All loan decisions are provided by our lending partners.

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Does Enhancify or any of its lending partners pull a credit report?

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No, we do not pull your credit and in most instances our lending partners will only do a soft inquiry. However, if the lending partner does do a hard inquiry, the lender will notify you beforehand, usually somewhere on their website or prior to submitting your application with them. It is very important you read their terms and conditions prior to submitting your application.

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What is the difference between a hard inquiry and a soft inquiry?

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Simply put, a soft inquiry is an inquiry that occurs when either you, a credit card company, or a lender checks your credit to pre-approve you to offer you credit. Soft inquiries do not appear on your credit report, nor do they impact your credit scores.

A hard inquiry is an inquiry that occurs when you apply to a bank or lender so they can review your credit report as part of their decision-making process. A hard inquiry does show up on your credit report and will impact your credit score. This type of inquiry appears on your credit report for two years (24 months), however, it will only impact your credit score for the first year (12 months).

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Does Enhancify have any fees for the consumer?

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No, we do not charge any fees to the consumer to utilize our services. Each lender you are matched with determines their own policy on what they charge. We are unable to determine the amount of closing costs or out-of-pocket expenses you may incur, however, if we are able to match you with a lender, you can discuss your specific situation with them once you are in contact.

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Ready to get started?

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Fill out the simple 60-second application for instant pre-approval.