Premium Course Module

Master Inquiry & Lender Database

The definitive bureau pull reference for strategic borrowers, credit strategists, and business funding architects.

Curated by Dunia Merci
500+ InstitutionsMin Credit Score DataLoan Amount Ranges0% APR Intelligence
Module Introduction

Why Inquiry Mapping Is a Mission-Critical Skill

In the world of strategic credit building and business funding, not all credit bureau pulls are equal — and not all lenders pull the same bureau in every state or for every product. Understanding which bureau a lender pulls before you apply is one of the most powerful, highest-leverage tactics available to a sophisticated borrower.

The Core Problem

Each hard inquiry costs roughly 2–5 points per pull. When a borrower applies to five lenders without knowing their bureau preferences, they may inadvertently stack five hard inquiries on a single bureau — compressing scores, triggering risk flags, and reducing approval odds on every subsequent application within a 12-month window.

The Strategic Advantage

1

Isolate Applications

Submit to lenders that pull your strongest bureau while protecting a weaker one from unnecessary inquiry damage.

2

Stack Simultaneously

File multiple business credit applications at institutions pulling different bureaus — spreading inquiries instead of concentrating them.

3

Time Mortgage Pulls

Leverage 14–45-day rate-shopping deduplication windows under FICO models 8 and 10 for cleaner tri-merge outcomes.

4

Protect Thin Files

Preserve clean tradelines on untouched bureaus that may be critical for future funding rounds.

5

Sequence Wisely

Order personal vs. business credit pulls to prevent unnecessary overlap on the owner's guarantee profile.

6

Target Score Thresholds

Use the Min Score column to match applications to lenders whose approval threshold sits just below your weakest-bureau score — maximizing approval odds per inquiry burned.

7

Stack 0% Intro Offers

Filter by 0% Intro Only to identify credit cards where you can carry balances interest-free for 6–15+ months — a powerful cash-flow tactic for business expansion or large purchases.

8

Quarterly Refresh

Score thresholds, loan caps, and promotional APR windows all shift as lenders update underwriting cycles — revisit this database every quarter to keep your funding strategy current.

How to Use This Database

Step Action
1Pull all three bureau scores before any application sequence.
2Identify your strongest and weakest bureaus.
3Match target lenders to the bureau where your profile is strongest for that product type.
4Sequence applications across different-bureau lenders within the same 30-day window.
5Re-check this database quarterly — lender behavior shifts over time.
💡 Reading the Database
Experian Equifax TransUnion N/A 12 mo 0% — (No 0% offer)

Min Score reflects the typical minimum FICO threshold for approval. Loan Range shows typical minimum and maximum approved amounts. 0% Intro indicates promotional 0% APR periods on purchases or balance transfers (credit cards) or 0% manufacturer financing availability (auto loans). All values are approximate and vary by applicant profile, state, and underwriting cycle — use as strategic intelligence, not as guaranteed terms.

Universal Search

Search Every Institution at Once

Every bank, credit union, and fintech lender in this database — unified into one searchable table. Use the search bar above to filter by name, region, bureau, or product type. Combine with the product chips and "0% Intro Only" filter for laser-focused results.

⚡ Power-User Tips

Try searching "experian" to find every Experian-pulling lender across all categories. Search "texas" to surface every Texas-region institution. Search "680" to find every product with a 680+ minimum score. Combine with the chips above for compound queries.

0Total Listings
0Tier 1 Banks
0Regional Banks
0Credit Unions
0Fintech Lenders
00% APR Offers
0Now Showing
Category Institution Region Product Min Score Loan Range 0% Intro Primary Pull Secondary Pull
Section I

National Tier 1 Banks

Banks with $100B+ in assets, coast-to-coast branch presence, and national underwriting standards. These institutions dominate large-scale consumer and business lending.

Business Funding — Credit Cards & Lines of Credit

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Chase BankNationalBusiness Credit Card690+$3K–$25K12 mo 0%ExperianEquifax
Chase BankNationalBusiness Line of Credit700+$10K–$500K—ExperianTransUnion
Bank of AmericaNationalBusiness Credit Card700+$5K–$50K9 mo 0%EquifaxExperian
Bank of AmericaNationalBusiness Line of Credit720+$10K–$250K—EquifaxTransUnion
Wells FargoNationalBusiness Credit Card680+$5K–$50K9 mo 0%ExperianEquifax
Wells FargoNationalBusiness Line of Credit680+$10K–$100K—ExperianTransUnion
CitibankNationalBusiness Credit Card680+$5K–$50K6 mo 0%EquifaxExperian
CitibankNationalBusiness Line of Credit700+$10K–$250K—EquifaxTransUnion
U.S. BankNationalBusiness Credit Card680+$5K–$25K15 mo 0%EquifaxExperian
U.S. BankNationalBusiness Line of Credit700+$10K–$250K—TransUnionExperian
Capital OneNationalBusiness Credit Card670+$5K–$50K9 mo 0%EquifaxTransUnion
Capital OneNationalBusiness Line of Credit700+$10K–$250K—EquifaxExperian
American ExpressNationalBusiness Credit Card700+$5K–$100K—ExperianEquifax
American ExpressNationalBusiness Line of Credit700+$10K–$250K—ExperianTransUnion
BarclaysNationalBusiness Credit Card700+$5K–$50K12 mo 0%TransUnionExperian
PNC BankNationalBusiness Credit Card680+$5K–$50K9 mo 0%EquifaxTransUnion
PNC BankNationalBusiness Line of Credit700+$10K–$250K—EquifaxExperian
TD BankNortheast / NationalBusiness Credit Card680+$3K–$25K9 mo 0%EquifaxTransUnion
TD BankNortheast / NationalBusiness Line of Credit700+$10K–$250K—TransUnionEquifax
Truist BankSoutheast / NationalBusiness Credit Card680+$5K–$50K12 mo 0%EquifaxExperian
Truist BankSoutheast / NationalBusiness Line of Credit700+$10K–$250K—EquifaxTransUnion
Goldman Sachs (Marcus)NationalBusiness Line of Credit700+$10K–$250K—TransUnionExperian
HSBCNationalBusiness Credit Card690+$5K–$50K—EquifaxExperian
Ally FinancialNationalBusiness Line of Credit700+$10K–$250K—ExperianTransUnion
Synchrony BankNationalBusiness Credit Card650+$2K–$50K6 mo 0%ExperianTransUnion
BMO Bank (formerly BMO Harris)National / MidwestBusiness Credit Card680+$3K–$25K9 mo 0%EquifaxExperian
BMO BankNational / MidwestBusiness Line of Credit700+$10K–$250K—EquifaxTransUnion
Charles Schwab BankNationalBusiness Line of Credit700+$10K–$250K—ExperianEquifax
Santander BankNortheast / NationalBusiness Credit Card680+$3K–$25K9 mo 0%EquifaxExperian
Santander BankNortheast / NationalBusiness Line of Credit700+$10K–$250K—ExperianTransUnion
CIBC US BankMidwest / NationalBusiness Credit Card700+$5K–$50K—ExperianEquifax
Discover BankNationalBusiness Credit Card700+$2K–$10K12 mo 0%ExperianTransUnion
Ally BankNational (Online)Business Credit Card680+$5K–$50K—ExperianTransUnion
Axos BankNational (Online)Business Line of Credit700+$10K–$250K—ExperianEquifax
Live Oak BankNational (SBA Specialist)Business Line of Credit680+$25K–$500K—ExperianEquifax
First Citizens Bank (SVB)National / Tech SectorBusiness Credit Card680+$5K–$50K9 mo 0%EquifaxExperian
Silicon Valley Bank (FCB)National / Tech StartupsBusiness Line of Credit700+$10K–$250K—ExperianTransUnion
NBKC BankNational (Online)Business Credit Card680+$5K–$50K9 mo 0%ExperianEquifax
First Internet BankNational (Online)Business Line of Credit700+$10K–$250K—ExperianTransUnion
Mercantile BankMidwest / NationalBusiness Credit Card680+$5K–$50K9 mo 0%EquifaxExperian
USAA Bank (Commercial Div.)National (Military)Business Credit Card670+$2K–$25K—EquifaxTransUnion
EverBank (formerly TIAA Bank)NationalBusiness Line of Credit700+$10K–$250K—EquifaxExperian

Auto Loans

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Chase AutoNationalAuto Loan620+$7K–$100K—ExperianTransUnion
Bank of America AutoNationalAuto Loan660+$7K–$100K—ExperianEquifax
Wells Fargo AutoNationalAuto Loan640+$5K–$100K—EquifaxExperian
Capital One Auto FinanceNationalAuto Loan540+$4K–$75K—EquifaxTransUnion
U.S. Bank AutoNationalAuto Loan660+$5K–$100K—EquifaxExperian
TD Auto FinanceNationalAuto Loan620+$5K–$75K—ExperianTransUnion
Ally Financial AutoNationalAuto Loan620+$7K–$100K—ExperianTransUnion
GM FinancialNationalAuto Loan580+$5K–$100KPromo Avail.EquifaxExperian
Ford Motor CreditNationalAuto Loan580+$5K–$100KPromo Avail.ExperianTransUnion
Toyota Financial ServicesNationalAuto Loan610+$5K–$100KPromo Avail.ExperianEquifax
Honda Financial ServicesNationalAuto Loan610+$5K–$100KPromo Avail.ExperianTransUnion
Chrysler Capital (Stellantis)NationalAuto Loan580+$5K–$75KPromo Avail.ExperianTransUnion
Hyundai Motor FinanceNationalAuto Loan600+$5K–$75KPromo Avail.ExperianEquifax
Westlake FinancialNationalAuto Loan500+$3K–$40K—ExperianTransUnion
CarMax Auto FinanceNationalAuto Loan580+$5K–$85K—EquifaxTransUnion
Nissan Motor AcceptanceNationalAuto Loan600+$5K–$75KPromo Avail.ExperianEquifax
Mazda Financial ServicesNationalAuto Loan620+$5K–$60KPromo Avail.ExperianTransUnion
Subaru Motors Finance (Chase)NationalAuto Loan620+$5K–$60KPromo Avail.ExperianTransUnion
BMW Financial ServicesNationalAuto Loan680+$10K–$200K—ExperianEquifax
Mercedes-Benz FinancialNationalAuto Loan680+$15K–$250K—EquifaxExperian
Volkswagen CreditNationalAuto Loan640+$7K–$100K—ExperianTransUnion
Audi Financial ServicesNationalAuto Loan640+$7K–$100K—ExperianEquifax
Lexus Financial ServicesNationalAuto Loan680+$10K–$150KPromo Avail.ExperianEquifax
Acura Financial ServicesNationalAuto Loan640+$7K–$100K—ExperianTransUnion
Kia Motors FinanceNationalAuto Loan600+$5K–$75KPromo Avail.EquifaxExperian
Mitsubishi Motors CreditNationalAuto Loan640+$7K–$100K—ExperianTransUnion
Volvo Car FinancialNationalAuto Loan640+$7K–$100K—ExperianEquifax
Porsche Financial ServicesNationalAuto Loan720+$25K–$500K—ExperianEquifax
Infiniti Financial ServicesNationalAuto Loan640+$7K–$100K—ExperianEquifax
Jaguar Land Rover FinancialNationalAuto Loan640+$7K–$100K—ExperianTransUnion
Tesla FinancingNationalAuto Loan680+$20K–$150K—ExperianTransUnion
Santander Consumer USANationalAuto Loan540+$5K–$50K—ExperianEquifax
Exeter FinanceNational (Subprime)Auto Loan500+$3K–$40K—EquifaxTransUnion
Global Lending ServicesNational (Subprime)Auto Loan500+$3K–$40K—EquifaxExperian
World Omni Financial (Toyota South)SoutheastAuto Loan640+$7K–$100K—ExperianEquifax
Credit Acceptance CorpNational (Subprime)Auto Loan450+$3K–$40K—EquifaxTransUnion
DriveTime AutomotiveNational (Subprime)Auto Loan450+$5K–$40K—EquifaxTransUnion
Carvana Financing (Bridgecrest)NationalAuto Loan500+$5K–$85K—EquifaxTransUnion
Consumer Portfolio ServicesNational (Subprime)Auto Loan640+$7K–$100K—EquifaxTransUnion
Regional Acceptance Corp (Truist)NationalAuto Loan640+$7K–$100K—EquifaxExperian
Flagship Credit AcceptanceNational (Subprime)Auto Loan450+$3K–$40K—EquifaxTransUnion

Personal Loans & Lines of Credit

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Chase BankNationalPersonal LOC700+$3K–$25K—ExperianTransUnion
Bank of AmericaNationalPersonal LOC700+$10K–$100K—TransUnionEquifax
Wells FargoNationalPersonal Loan/LOC700+$10K–$100K—ExperianEquifax
CitibankNationalPersonal Loan670+$3K–$50K—ExperianEquifax
U.S. BankNationalPersonal Loan670+$3K–$50K—TransUnionEquifax
Capital OneNationalPersonal Loan670+$3K–$50K—TransUnionEquifax
American ExpressNationalPersonal Loan670+$3K–$50K—ExperianTransUnion
Goldman Sachs (Marcus)NationalPersonal Loan670+$3K–$50K—TransUnionEquifax
DiscoverNationalPersonal Loan670+$3K–$50K—ExperianTransUnion
LightStream (Truist)NationalPersonal Loan670+$3K–$50K—EquifaxTransUnion
TD BankNortheast / NationalPersonal Loan670+$3K–$50K—ExperianTransUnion
HSBCNationalPersonal Loan670+$3K–$50K—EquifaxExperian
BarclaysNationalPersonal Loan670+$3K–$50K—TransUnionExperian
Ally BankNational (Online)Personal Loan670+$3K–$50K—ExperianTransUnion
PNC BankNationalPersonal Loan670+$3K–$50K—EquifaxTransUnion
Truist BankSoutheast / NationalPersonal Loan670+$3K–$50K—EquifaxTransUnion
Santander BankNortheast / NationalPersonal Loan670+$3K–$50K—ExperianTransUnion
BMO BankNational / MidwestPersonal Loan670+$3K–$50K—EquifaxExperian
Charles Schwab BankNationalPledged Asset Line700+$10K–$100K—ExperianEquifax
Axos BankNational (Online)Personal Loan670+$3K–$50K—ExperianTransUnion
EverBank (formerly TIAA)NationalPersonal Loan670+$3K–$50K—EquifaxExperian
USAA BankNational (Military)Personal Loan670+$3K–$50K—EquifaxTransUnion
Discover BankNationalPersonal LOC700+$10K–$100K—ExperianTransUnion
American ExpressNationalPersonal LOC700+$10K–$100K—ExperianTransUnion
Synchrony BankNationalPersonal Loan670+$3K–$50K—ExperianTransUnion
Section II

Regional Banks

Banks with strong multi-state or regional presence, typically $10B–$100B in assets, operating under regional underwriting norms that may differ significantly from national lenders.

Business Funding — Credit Cards & Lines of Credit

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Regions BankSoutheast / MidwestBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Regions BankSoutheast / MidwestBusiness Line of Credit680+$10K–$250K—EquifaxTransUnion
Fifth Third BankMidwest / SoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
Fifth Third BankMidwest / SoutheastBusiness Line of Credit680+$10K–$250K—EquifaxExperian
KeyBankNortheast / MidwestBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
KeyBankNortheast / MidwestBusiness Line of Credit680+$10K–$250K—TransUnionEquifax
Huntington National BankMidwestBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
Huntington National BankMidwestBusiness Line of Credit680+$10K–$250K—EquifaxExperian
M&T BankNortheast / Mid-AtlanticBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
M&T BankNortheast / Mid-AtlanticBusiness Line of Credit680+$10K–$250K—EquifaxTransUnion
Citizens BankNortheast / NationalBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
Citizens BankNortheast / NationalBusiness Line of Credit680+$10K–$250K—ExperianEquifax
First Citizens BankSoutheast / NationalBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
Synovus BankSoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Glacier BancorpNorthwestBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Associated BankMidwestBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Wintrust FinancialMidwest / ChicagoBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
South State BankSoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
Banner BankPacific NorthwestBusiness Line of Credit680+$10K–$250K—TransUnionExperian
Heartland FinancialMidwestBusiness Credit Card670+$3K–$25K9 mo 0%TransUnionEquifax
Renasant BankSoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
Pinnacle FinancialSoutheastBusiness Line of Credit680+$10K–$250K—EquifaxExperian
Old National BankMidwestBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
NBT BankNortheastBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
Columbia Banking SystemPacific NorthwestBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Provident BankNortheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
Valley National BankMid-Atlantic / SoutheastBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Berkshire Hills BancorpNortheastBusiness Credit Card670+$3K–$25K9 mo 0%TransUnionEquifax
Zions BankUtah / Mountain WestBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Zions BankUtah / Mountain WestBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Comerica BankTexas / Michigan / CABusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
Comerica BankTexas / Michigan / CABusiness Line of Credit680+$10K–$250K—EquifaxExperian
Frost BankTexasBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Frost BankTexasBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Prosperity BankTexas / OklahomaBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Texas Capital BankTexasBusiness Line of Credit680+$10K–$250K—ExperianEquifax
BOK FinancialOklahoma / SouthwestBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Arvest BankArkansas / Oklahoma / MOBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
IBC Bank (International Bank of Commerce)Texas / OklahomaBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Cullen/Frost BankersTexasBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
First Interstate BankMontana / Wyoming / RockiesBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
Cadence BankMississippi / SoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Hancock Whitney BankGulf South (LA/MS/AL)Business Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
Simmons BankArkansas / South CentralBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Trustmark National BankMississippi / SoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
Bank OZKArkansas / NationalBusiness Line of Credit680+$10K–$250K—EquifaxExperian
Centennial Bank (Home Bancshares)Arkansas / SoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
BankUnitedFlorida / NortheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Seacoast BankingFloridaBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Ameris BancorpGeorgia / SoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxTransUnion
United Community BankGeorgia / SoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
First Horizon BankTennessee / SoutheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
First Horizon BankTennessee / SoutheastBusiness Line of Credit680+$10K–$250K—EquifaxTransUnion
Pinnacle Financial PartnersTennesseeBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
F.N.B. CorporationPennsylvania / Mid-AtlanticBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
S&T BankPennsylvaniaBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
Fulton FinancialPA / NJ / MD / VABusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
WSFS BankDelaware / Mid-AtlanticBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Univest FinancialPennsylvaniaBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Atlantic Union BankVirginia / Mid-AtlanticBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Sandy Spring BancorpMaryland / VirginiaBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Webster BankConnecticut / NortheastBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Webster BankConnecticut / NortheastBusiness Line of Credit680+$10K–$250K—EquifaxTransUnion
Eastern BankMassachusetts / New EnglandBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Rockland TrustMassachusettsBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Cambridge TrustMassachusetts / NHBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
Bangor Savings BankMaine / New EnglandBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Camden National BankMaineBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
Washington TrustRhode IslandBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Community Bank SystemNew York / PennsylvaniaBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Tompkins FinancialNew YorkBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Lakeland BankNew JerseyBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Kearny BankNew JerseyBusiness Line of Credit680+$10K–$250K—EquifaxTransUnion
Umpqua BankPacific Northwest / CABusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Umpqua BankPacific Northwest / CABusiness Line of Credit680+$10K–$250K—TransUnionExperian
WaFd Bank (Washington Federal)Pacific NorthwestBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
HomeStreet BankPacific Northwest / CABusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Pacific Premier BankCalifornia / WestBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Western Alliance BancorporationArizona / Nevada / CABusiness Line of Credit680+$10K–$250K—ExperianEquifax
Bank of HopeCalifornia / NationalBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
East West BankCalifornia / NationalBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
East West BankCalifornia / NationalBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Cathay BankCalifornia / NationalBusiness Line of Credit680+$10K–$250K—ExperianEquifax
City National BankCalifornia / NationalBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Mechanics BankCaliforniaBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Hanmi BankCaliforniaBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Preferred BankCaliforniaBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Bank of HawaiiHawaii / PacificBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
First Hawaiian BankHawaiiBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
American Savings BankHawaiiBusiness Line of Credit680+$10K–$250K—EquifaxExperian
UMB FinancialMissouri / KansasBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Commerce BankMissouri / MidwestBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
Commerce BankMissouri / MidwestBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Busey BankIllinois / MidwestBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Byline BankIllinois / ChicagoBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Flagstar BankMichigan / New YorkBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Mercantile Bank of MichiganMichiganBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Park National BankOhio / KentuckyBusiness Credit Card670+$3K–$25K9 mo 0%ExperianTransUnion
Midland States BankIllinois / MidwestBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian
Glacier BancorpMontana / RockiesBusiness Credit Card670+$3K–$25K9 mo 0%ExperianEquifax
First National Bank of OmahaNebraska / MidwestBusiness Credit Card670+$3K–$25K9 mo 0%EquifaxExperian

Auto Loans

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Regions BankSoutheast / MidwestAuto Loan620+$5K–$75K—EquifaxExperian
Fifth Third BankMidwest / SoutheastAuto Loan620+$5K–$75K—EquifaxTransUnion
KeyBankNortheast / MidwestAuto Loan620+$5K–$75K—ExperianTransUnion
Huntington National BankMidwestAuto Loan620+$5K–$75K—EquifaxExperian
M&T BankNortheast / Mid-AtlanticAuto Loan620+$5K–$75K—EquifaxExperian
Citizens BankNortheast / NationalAuto Loan620+$5K–$75K—ExperianEquifax
South State BankSoutheastAuto Loan620+$5K–$75K—EquifaxTransUnion
Synovus BankSoutheastAuto Loan620+$5K–$75K—EquifaxExperian
Banner BankPacific NorthwestAuto Loan620+$5K–$75K—TransUnionEquifax
Valley National BankMid-Atlantic / SoutheastAuto Loan620+$5K–$75K—ExperianEquifax
Associated BankMidwestAuto Loan620+$5K–$75K—EquifaxTransUnion
First Midwest BankMidwestAuto Loan620+$5K–$75K—TransUnionExperian
Wintrust FinancialMidwest / ChicagoAuto Loan620+$5K–$75K—ExperianEquifax
Zions BankUtah / Mountain WestAuto Loan620+$5K–$75K—EquifaxExperian
Comerica BankTexas / Michigan / CAAuto Loan620+$5K–$75K—EquifaxTransUnion
Frost BankTexasAuto Loan620+$5K–$75K—ExperianEquifax
Prosperity BankTexas / OklahomaAuto Loan620+$5K–$75K—EquifaxExperian
BOK FinancialOklahoma / SouthwestAuto Loan620+$5K–$75K—EquifaxExperian
Arvest BankArkansas / OklahomaAuto Loan620+$5K–$75K—EquifaxExperian
First Interstate BankMontana / WyomingAuto Loan620+$5K–$75K—ExperianTransUnion
Cadence BankMississippi / SoutheastAuto Loan620+$5K–$75K—EquifaxExperian
Hancock Whitney BankGulf SouthAuto Loan620+$5K–$75K—EquifaxTransUnion
Simmons BankArkansas / South CentralAuto Loan620+$5K–$75K—EquifaxExperian
Trustmark National BankMississippiAuto Loan620+$5K–$75K—EquifaxTransUnion
BankUnitedFloridaAuto Loan620+$5K–$75K—EquifaxExperian
Ameris BancorpGeorgia / SoutheastAuto Loan620+$5K–$75K—EquifaxExperian
United Community BankGeorgiaAuto Loan620+$5K–$75K—EquifaxTransUnion
First Horizon BankTennessee / SoutheastAuto Loan620+$5K–$75K—EquifaxExperian
F.N.B. CorporationPennsylvaniaAuto Loan620+$5K–$75K—ExperianEquifax
S&T BankPennsylvaniaAuto Loan620+$5K–$75K—ExperianTransUnion
Fulton FinancialPA / NJ / MD / VAAuto Loan620+$5K–$75K—ExperianEquifax
WSFS BankDelaware / Mid-AtlanticAuto Loan620+$5K–$75K—EquifaxExperian
Atlantic Union BankVirginiaAuto Loan620+$5K–$75K—EquifaxExperian
Webster BankConnecticutAuto Loan620+$5K–$75K—EquifaxExperian
Eastern BankMassachusettsAuto Loan620+$5K–$75K—EquifaxExperian
Rockland TrustMassachusettsAuto Loan620+$5K–$75K—ExperianEquifax
Bangor Savings BankMaineAuto Loan620+$5K–$75K—ExperianTransUnion
Umpqua BankPacific NorthwestAuto Loan620+$5K–$75K—ExperianTransUnion
WaFd BankPacific NorthwestAuto Loan620+$5K–$75K—ExperianEquifax
HomeStreet BankPacific NW / CAAuto Loan620+$5K–$75K—ExperianTransUnion
Pacific Premier BankCaliforniaAuto Loan620+$5K–$75K—ExperianEquifax
East West BankCaliforniaAuto Loan620+$5K–$75K—ExperianEquifax
Bank of HawaiiHawaiiAuto Loan620+$5K–$75K—ExperianTransUnion
First Hawaiian BankHawaiiAuto Loan620+$5K–$75K—ExperianEquifax
UMB FinancialMissouri / KansasAuto Loan620+$5K–$75K—EquifaxExperian
Commerce BankMissouri / MidwestAuto Loan620+$5K–$75K—ExperianEquifax
Busey BankIllinoisAuto Loan620+$5K–$75K—EquifaxExperian
Flagstar BankMichigan / NYAuto Loan620+$5K–$75K—EquifaxExperian
Park National BankOhioAuto Loan620+$5K–$75K—ExperianTransUnion
First National Bank of OmahaNebraskaAuto Loan620+$5K–$75K—EquifaxExperian
Glacier BancorpMontana / RockiesAuto Loan620+$5K–$75K—ExperianEquifax
Frost Bank (Truck/Equipment)TexasAuto / Commercial620+$5K–$75K—ExperianEquifax

Personal Loans & Lines of Credit

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Regions BankSoutheast / MidwestPersonal Loan660+$2K–$35K—EquifaxExperian
Fifth Third BankMidwest / SoutheastPersonal Loan660+$2K–$35K—EquifaxTransUnion
KeyBankNortheast / MidwestPersonal LOC680+$5K–$50K—TransUnionEquifax
Huntington National BankMidwestPersonal LOC680+$5K–$50K—EquifaxExperian
M&T BankNortheast / Mid-AtlanticPersonal Loan660+$2K–$35K—EquifaxExperian
Citizens BankNortheast / NationalPersonal Loan660+$2K–$35K—ExperianEquifax
Pinnacle FinancialSoutheastPersonal Loan660+$2K–$35K—EquifaxTransUnion
Old National BankMidwestPersonal Loan660+$2K–$35K—ExperianEquifax
Synovus BankSoutheastPersonal Loan660+$2K–$35K—EquifaxExperian
Valley National BankMid-AtlanticPersonal Loan660+$2K–$35K—ExperianTransUnion
Berkshire Hills BancorpNortheastPersonal Loan660+$2K–$35K—TransUnionEquifax
Renasant BankSoutheastPersonal Loan660+$2K–$35K—EquifaxExperian
Heartland FinancialMidwestPersonal Loan660+$2K–$35K—TransUnionEquifax
Columbia Banking SystemPacific NorthwestPersonal Loan660+$2K–$35K—ExperianTransUnion
Zions BankUtah / Mountain WestPersonal Loan660+$2K–$35K—EquifaxExperian
Comerica BankTexas / MichiganPersonal LOC680+$5K–$50K—EquifaxExperian
Frost BankTexasPersonal Loan660+$2K–$35K—ExperianEquifax
Prosperity BankTexasPersonal Loan660+$2K–$35K—EquifaxExperian
BOK FinancialOklahomaPersonal Loan660+$2K–$35K—EquifaxExperian
Arvest BankArkansas / OklahomaPersonal Loan660+$2K–$35K—EquifaxExperian
Cadence BankSoutheastPersonal Loan660+$2K–$35K—EquifaxExperian
Hancock Whitney BankGulf SouthPersonal Loan660+$2K–$35K—EquifaxTransUnion
Simmons BankArkansasPersonal Loan660+$2K–$35K—EquifaxExperian
Trustmark National BankMississippiPersonal Loan660+$2K–$35K—EquifaxTransUnion
Ameris BancorpGeorgiaPersonal Loan660+$2K–$35K—EquifaxExperian
United Community BankGeorgiaPersonal LOC680+$5K–$50K—EquifaxTransUnion
First Horizon BankTennesseePersonal Loan660+$2K–$35K—EquifaxExperian
F.N.B. CorporationPennsylvaniaPersonal Loan660+$2K–$35K—ExperianEquifax
Fulton FinancialPA / NJ / MDPersonal Loan660+$2K–$35K—ExperianEquifax
WSFS BankDelawarePersonal Loan660+$2K–$35K—EquifaxExperian
Atlantic Union BankVirginiaPersonal LOC680+$5K–$50K—EquifaxExperian
Sandy Spring BancorpMaryland / VirginiaPersonal Loan660+$2K–$35K—ExperianEquifax
Webster BankConnecticutPersonal Loan660+$2K–$35K—EquifaxExperian
Eastern BankMassachusettsPersonal Loan660+$2K–$35K—EquifaxExperian
Rockland TrustMassachusettsPersonal LOC680+$5K–$50K—ExperianEquifax
Cambridge TrustMassachusettsPersonal Loan660+$2K–$35K—ExperianTransUnion
Bangor Savings BankMainePersonal Loan660+$2K–$35K—ExperianEquifax
Umpqua BankPacific NorthwestPersonal Loan660+$2K–$35K—ExperianTransUnion
WaFd BankPacific NorthwestPersonal Loan660+$2K–$35K—ExperianEquifax
HomeStreet BankPacific NWPersonal Loan660+$2K–$35K—ExperianTransUnion
Western Alliance BancorporationArizona / NevadaPersonal LOC680+$5K–$50K—ExperianEquifax
Bank of HawaiiHawaiiPersonal Loan660+$2K–$35K—ExperianTransUnion
First Hawaiian BankHawaiiPersonal Loan660+$2K–$35K—ExperianEquifax
American Savings BankHawaiiPersonal LOC680+$5K–$50K—EquifaxExperian
UMB FinancialMissouri / KansasPersonal Loan660+$2K–$35K—EquifaxExperian
Commerce BankMissouri / MidwestPersonal LOC680+$5K–$50K—ExperianEquifax
Busey BankIllinoisPersonal Loan660+$2K–$35K—EquifaxExperian
Flagstar BankMichiganPersonal Loan660+$2K–$35K—EquifaxExperian
First National Bank of OmahaNebraskaPersonal Loan660+$2K–$35K—EquifaxExperian
Glacier BancorpMontanaPersonal Loan660+$2K–$35K—ExperianTransUnion
Bank of HopeCaliforniaPersonal Loan660+$2K–$35K—ExperianTransUnion
East West BankCaliforniaPersonal LOC680+$5K–$50K—ExperianEquifax
Cathay BankCaliforniaPersonal Loan660+$2K–$35K—ExperianEquifax
City National BankCaliforniaPersonal LOC680+$5K–$50K—ExperianEquifax
Section III

Credit Unions

Member-owned, not-for-profit cooperatives. Credit unions often have more flexible underwriting criteria, lower rates, and — critically for inquiry mapping — frequently pull a single bureau rather than tri-merge for non-mortgage products.

🎯 Credit Union Strategic Advantage

Because many credit unions pull only ONE bureau for non-mortgage products, they are among the highest-priority targets for strategic borrowers seeking to build tradelines while protecting two untouched bureaus simultaneously.

Business Funding — Credit Cards & Lines of Credit

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Navy Federal Credit UnionNational (Military/DoD)Business Credit Card650+$5K–$50K—ExperianTransUnion
Navy Federal Credit UnionNational (Military/DoD)Business Line of Credit700+$10K–$250K—ExperianEquifax
Pentagon Federal (PenFed)NationalBusiness Credit Card670+$2K–$25K12 mo 0%EquifaxExperian
Alliant Credit UnionNationalBusiness Line of Credit680+$10K–$100K—TransUnionExperian
USAA Federal SavingsNational (Military)Business Credit Card680+$2K–$50K—EquifaxTransUnion
SchoolsFirst FCUCaliforniaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianN/A
Boeing Employees CU (BECU)Pacific NW / NationalBusiness Line of Credit680+$10K–$250K—TransUnionEquifax
Golden 1 Credit UnionCaliforniaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
DCU (Digital Federal CU)NationalBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Suncoast Credit UnionFlorida / SoutheastBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Kinecta Federal CUCaliforniaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
America First CUUtah / SouthwestBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Mountain America CUMountain WestBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Connexus Credit UnionNationalBusiness Credit Card650+$2K–$25K6 mo 0%TransUnionEquifax
First Tech Federal CUNational (Tech Sector)Business Line of Credit680+$10K–$250K—EquifaxExperian
Lake Michigan Credit UnionMidwestBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Wright-Patt Credit UnionMidwestBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Ent Credit UnionColoradoBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
RBFCU (Randolph-Brooks)TexasBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Landmark Credit UnionMidwestBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Consumers Credit UnionMidwestBusiness Line of Credit680+$10K–$250K—TransUnionEquifax
Justice Federal CUNational (Gov/Law)Business Credit Card650+$2K–$25K6 mo 0%TransUnionExperian
Andrews Federal CUMid-Atlantic / NationalBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Space Coast Credit UnionFloridaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
State Employees' Credit Union (SECU)North CarolinaBusiness Line of Credit680+$10K–$250K—EquifaxTransUnion
VyStar Credit UnionFlorida / GeorgiaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
GTE FinancialFloridaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Delta Community Credit UnionGeorgia / SoutheastBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Georgia's Own Credit UnionGeorgiaBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Robins Financial Credit UnionGeorgiaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Coastal Federal Credit UnionNorth CarolinaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Truliant Federal Credit UnionNorth CarolinaBusiness Line of Credit680+$10K–$250K—EquifaxExperian
Allegacy Federal Credit UnionNorth CarolinaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Founders Federal Credit UnionSouth CarolinaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
South Carolina Federal Credit UnionSouth CarolinaBusiness Line of Credit680+$10K–$250K—ExperianEquifax
ORNL Federal Credit UnionTennesseeBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Eastman Credit UnionTennesseeBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Y-12 Federal Credit UnionTennesseeBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Ascend Federal Credit UnionTennesseeBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Redstone Federal Credit UnionAlabama / SoutheastBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Alabama Credit UnionAlabamaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Avadian Credit UnionAlabamaBusiness Line of Credit680+$10K–$250K—ExperianEquifax
MAX Credit UnionAlabamaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Hope Credit UnionMississippi / Deep SouthBusiness Line of Credit680+$10K–$250K—EquifaxExperian
Security Service Federal CUTexas / Utah / ColoradoBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
A+ Federal Credit UnionTexas (Austin)Business Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Amplify Credit UnionTexasBusiness Line of Credit680+$10K–$250K—ExperianEquifax
University Federal Credit Union (TX)TexasBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Neighborhood Credit UnionTexas (Dallas)Business Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Texas Trust Credit UnionTexasBusiness Line of Credit680+$10K–$250K—EquifaxTransUnion
Generations Federal Credit UnionTexasBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Tinker Federal Credit UnionOklahomaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Communication Federal CUOklahomaBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Patelco Credit UnionCalifornia (Bay Area)Business Credit Card650+$2K–$25K6 mo 0%TransUnionExperian
Travis Credit UnionCaliforniaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
San Diego County Credit UnionCaliforniaBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Logix Federal Credit UnionCaliforniaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Star One Credit UnionCalifornia (Silicon Valley)Business Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
SAFE Credit UnionCalifornia (Sacramento)Business Line of Credit680+$10K–$250K—ExperianEquifax
Redwood Credit UnionCaliforniaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Chevron Federal Credit UnionCaliforniaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Provident Credit UnionCaliforniaBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Desert Financial Credit UnionArizonaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
OneAZ Credit UnionArizonaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Vantage West Credit UnionArizonaBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Hughes Federal Credit UnionArizonaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
OnPoint Community Credit UnionOregonBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Oregon Community Credit UnionOregonBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Advantis Credit UnionOregonBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Unitus Community Credit UnionOregonBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
SELCO Community Credit UnionOregonBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Gesa Credit UnionWashingtonBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Numerica Credit UnionWashingtonBusiness Line of Credit680+$10K–$250K—TransUnionExperian
STCU (Spokane Teachers CU)Washington / IdahoBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Idaho Central Credit UnionIdahoBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Global Credit Union (formerly Alaska USA)Alaska / NationalBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Hawaii State Federal CUHawaiiBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Utah Community Credit Union (UCCU)UtahBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Cyprus Credit UnionUtahBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Goldenwest Credit UnionUtahBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Bellco Credit UnionColoradoBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Elevations Credit UnionColoradoBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Canvas Credit UnionColoradoBusiness Line of Credit680+$10K–$250K—TransUnionExperian
Westerra Credit UnionColoradoBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Public Service Credit UnionColoradoBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Credit Union of ColoradoColoradoBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Affinity Plus Federal CUMinnesotaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Wings Financial Credit UnionMinnesota / NationalBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
TruStone Financial CUMinnesota / WisconsinBusiness Line of Credit680+$10K–$250K—EquifaxExperian
Spire Credit UnionMinnesotaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Royal Credit UnionWisconsinBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
UW Credit UnionWisconsinBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Summit Credit UnionWisconsinBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Thrivent Credit UnionNationalBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
CoVantage Credit UnionWisconsin / MI / ILBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
Altra Federal Credit UnionWisconsin / NationalBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
DFCU FinancialMichiganBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
MSU Federal Credit UnionMichiganBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Lake Trust Credit UnionMichiganBusiness Line of Credit680+$10K–$250K—TransUnionExperian
Michigan First Credit UnionMichiganBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Genisys Credit UnionMichiganBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
BCU (Baxter Credit Union)Illinois / NationalBusiness Line of Credit680+$10K–$250K—EquifaxExperian
Scott Credit UnionIllinoisBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
CEFCU (Citizens Equity First)Illinois / MidwestBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
DuPage Credit UnionIllinoisBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
KEMBA Financial Credit UnionOhioBusiness Line of Credit680+$10K–$250K—ExperianEquifax
General Electric Credit UnionOhio / KentuckyBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Members 1st Federal CUPennsylvaniaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Veridian Credit UnionIowaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
GreenState Credit UnionIowaBusiness Line of Credit680+$10K–$250K—EquifaxTransUnion
Dupaco Community Credit UnionIowa / Wisconsin / ILBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
CommunityAmerica Credit UnionMissouri / KansasBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Mazuma Credit UnionMissouri / KansasBusiness Line of Credit680+$10K–$250K—ExperianEquifax
Vantage Credit UnionMissouriBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
NASA Federal Credit UnionNational (Gov/Mid-Atlantic)Business Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
NIH Federal Credit UnionNational (Healthcare/Gov)Business Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Congressional Federal CUNational (Gov)Business Line of Credit680+$10K–$250K—TransUnionExperian
Signature Federal Credit UnionNationalBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Northwest Federal Credit UnionVirginia / NationalBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Apple Federal Credit UnionVirginiaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Langley Federal Credit UnionVirginiaBusiness Line of Credit680+$10K–$250K—EquifaxExperian
Virginia Credit UnionVirginiaBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
DuPont Community Credit UnionVirginiaBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Chartway Federal Credit UnionVirginia / UtahBusiness Line of Credit680+$10K–$250K—EquifaxExperian
Affinity Federal Credit UnionNew Jersey / NationalBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Hudson Valley Credit UnionNew YorkBusiness Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Teachers Federal Credit UnionNew York / NationalBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Bethpage Federal Credit UnionNew YorkBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
SEFCU (State Employees FCU)New YorkBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
ESL Federal Credit UnionNew York (Rochester)Business Credit Card650+$2K–$25K6 mo 0%ExperianTransUnion
Municipal Credit UnionNew York CityBusiness Line of Credit680+$10K–$250K—TransUnionExperian
United Nations Federal CUNew York / NationalBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Hanscom Federal Credit UnionMassachusetts / NationalBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Metro Credit UnionMassachusettsBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxExperian
Workers Credit UnionMassachusettsBusiness Line of Credit680+$10K–$250K—ExperianTransUnion
American Eagle Financial CUConnecticutBusiness Credit Card650+$2K–$25K6 mo 0%ExperianEquifax
Nutmeg State Financial CUConnecticutBusiness Credit Card650+$2K–$25K6 mo 0%EquifaxTransUnion
Charter Oak Federal CUConnecticutBusiness Line of Credit680+$10K–$250K—ExperianEquifax

Auto Loans

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Navy Federal Credit UnionNationalAuto Loan580+$7K–$500K—TransUnionEquifax
PenFed Credit UnionNationalAuto Loan610+$500–$150K—EquifaxTransUnion
USAA Federal SavingsNational (Military)Auto Loan600+$5K–$100K—EquifaxTransUnion
Alliant Credit UnionNationalAuto Loan640+$4K–$100K—TransUnionExperian
Boeing Employees CU (BECU)Pacific NorthwestAuto Loan600+$5K–$100K—TransUnionEquifax
Golden 1 Credit UnionCaliforniaAuto Loan580+$2K–$100K—ExperianTransUnion
SchoolsFirst FCUCaliforniaAuto Loan580+$2K–$100K—ExperianN/A
DCU (Digital Federal CU)NationalAuto Loan620+$5K–$100K—EquifaxTransUnion
America First CUUtah / SouthwestAuto Loan580+$2K–$100K—EquifaxExperian
Suncoast Credit UnionFloridaAuto Loan580+$2K–$100K—EquifaxTransUnion
Lake Michigan Credit UnionMidwestAuto Loan580+$2K–$100K—EquifaxExperian
First Tech Federal CUNationalAuto Loan580+$2K–$100K—EquifaxTransUnion
RBFCUTexasAuto Loan580+$2K–$100K—EquifaxTransUnion
Ent Credit UnionColoradoAuto Loan580+$2K–$100K—ExperianEquifax
Connexus Credit UnionNationalAuto Loan580+$2K–$100K—TransUnionExperian
Wright-Patt Credit UnionMidwestAuto Loan580+$2K–$100K—ExperianTransUnion
Mountain America CUMountain WestAuto Loan580+$2K–$100K—ExperianEquifax
Space Coast Credit UnionFloridaAuto Loan580+$2K–$100K—ExperianTransUnion
Consumers Credit UnionMidwestAuto Loan580+$2K–$100K—TransUnionEquifax
Justice Federal CUNationalAuto Loan580+$2K–$100K—TransUnionExperian
Andrews Federal CUMid-AtlanticAuto Loan580+$2K–$100K—EquifaxExperian
Landmark Credit UnionMidwestAuto Loan580+$2K–$100K—ExperianEquifax
Kinecta Federal CUCaliforniaAuto Loan580+$2K–$100K—ExperianN/A
State Employees' Credit Union (SECU)North CarolinaAuto Loan580+$500–$100K—EquifaxTransUnion
VyStar Credit UnionFlorida / GeorgiaAuto Loan600+$1K–$100K—EquifaxExperian
GTE FinancialFloridaAuto Loan580+$2K–$100K—EquifaxTransUnion
Delta Community Credit UnionGeorgia / SoutheastAuto Loan580+$2K–$100K—EquifaxExperian
Georgia's Own Credit UnionGeorgiaAuto Loan580+$2K–$100K—ExperianEquifax
Robins Financial Credit UnionGeorgiaAuto Loan580+$2K–$100K—EquifaxTransUnion
Coastal Federal Credit UnionNorth CarolinaAuto Loan580+$2K–$100K—ExperianEquifax
Truliant Federal Credit UnionNorth CarolinaAuto Loan580+$2K–$100K—EquifaxExperian
Allegacy Federal Credit UnionNorth CarolinaAuto Loan580+$2K–$100K—ExperianTransUnion
Founders Federal Credit UnionSouth CarolinaAuto Loan580+$2K–$100K—EquifaxExperian
South Carolina Federal CUSouth CarolinaAuto Loan580+$2K–$100K—ExperianEquifax
ORNL Federal Credit UnionTennesseeAuto Loan580+$2K–$100K—ExperianTransUnion
Eastman Credit UnionTennesseeAuto Loan580+$2K–$100K—EquifaxExperian
Y-12 Federal Credit UnionTennesseeAuto Loan580+$2K–$100K—ExperianEquifax
Ascend Federal Credit UnionTennesseeAuto Loan580+$2K–$100K—EquifaxTransUnion
Redstone Federal Credit UnionAlabamaAuto Loan580+$2K–$100K—EquifaxExperian
Alabama Credit UnionAlabamaAuto Loan580+$2K–$100K—EquifaxTransUnion
Avadian Credit UnionAlabamaAuto Loan580+$2K–$100K—ExperianEquifax
MAX Credit UnionAlabamaAuto Loan580+$2K–$100K—EquifaxExperian
Hope Credit UnionMississippi / Deep SouthAuto Loan580+$2K–$100K—EquifaxExperian
Security Service Federal CUTexas / Utah / ColoradoAuto Loan580+$500–$100K—EquifaxExperian
A+ Federal Credit UnionTexas (Austin)Auto Loan580+$2K–$100K—EquifaxTransUnion
Amplify Credit UnionTexasAuto Loan580+$2K–$100K—ExperianEquifax
University Federal Credit Union (TX)TexasAuto Loan580+$2K–$100K—EquifaxExperian
Neighborhood Credit UnionTexas (Dallas)Auto Loan580+$2K–$100K—ExperianEquifax
Texas Trust Credit UnionTexasAuto Loan580+$2K–$100K—EquifaxTransUnion
Generations Federal Credit UnionTexasAuto Loan580+$2K–$100K—EquifaxExperian
Tinker Federal Credit UnionOklahomaAuto Loan580+$2K–$100K—EquifaxExperian
Communication Federal CUOklahomaAuto Loan580+$2K–$100K—ExperianTransUnion
Patelco Credit UnionCalifornia (Bay Area)Auto Loan580+$2K–$100K—TransUnionExperian
Travis Credit UnionCaliforniaAuto Loan580+$2K–$100K—ExperianEquifax
San Diego County Credit UnionCaliforniaAuto Loan580+$2K–$100K—ExperianTransUnion
Logix Federal Credit UnionCaliforniaAuto Loan580+$2K–$100K—ExperianEquifax
Star One Credit UnionCalifornia (Silicon Valley)Auto Loan580+$2K–$100K—ExperianTransUnion
SAFE Credit UnionCalifornia (Sacramento)Auto Loan580+$2K–$100K—ExperianEquifax
Redwood Credit UnionCaliforniaAuto Loan580+$2K–$100K—ExperianTransUnion
Chevron Federal Credit UnionCaliforniaAuto Loan580+$2K–$100K—ExperianEquifax
Provident Credit UnionCaliforniaAuto Loan580+$2K–$100K—ExperianTransUnion
Desert Financial Credit UnionArizonaAuto Loan580+$2K–$100K—ExperianEquifax
OneAZ Credit UnionArizonaAuto Loan580+$2K–$100K—EquifaxExperian
Vantage West Credit UnionArizonaAuto Loan580+$2K–$100K—ExperianTransUnion
Hughes Federal Credit UnionArizonaAuto Loan580+$2K–$100K—ExperianEquifax
OnPoint Community Credit UnionOregonAuto Loan580+$2K–$100K—ExperianTransUnion
Oregon Community Credit UnionOregonAuto Loan580+$2K–$100K—ExperianEquifax
Advantis Credit UnionOregonAuto Loan580+$2K–$100K—ExperianTransUnion
Unitus Community Credit UnionOregonAuto Loan580+$2K–$100K—ExperianTransUnion
SELCO Community Credit UnionOregonAuto Loan580+$2K–$100K—ExperianEquifax
Gesa Credit UnionWashingtonAuto Loan580+$2K–$100K—ExperianTransUnion
Numerica Credit UnionWashingtonAuto Loan580+$2K–$100K—TransUnionExperian
STCU (Spokane Teachers CU)Washington / IdahoAuto Loan580+$2K–$100K—ExperianEquifax
Idaho Central Credit UnionIdahoAuto Loan580+$2K–$100K—ExperianTransUnion
Global Credit Union (Alaska USA)Alaska / NationalAuto Loan580+$2K–$100K—ExperianEquifax
Hawaii State Federal CUHawaiiAuto Loan580+$2K–$100K—ExperianTransUnion
Utah Community Credit Union (UCCU)UtahAuto Loan580+$2K–$100K—EquifaxExperian
Cyprus Credit UnionUtahAuto Loan580+$2K–$100K—ExperianEquifax
Goldenwest Credit UnionUtahAuto Loan580+$2K–$100K—EquifaxTransUnion
Bellco Credit UnionColoradoAuto Loan580+$2K–$100K—ExperianEquifax
Elevations Credit UnionColoradoAuto Loan580+$2K–$100K—ExperianTransUnion
Canvas Credit UnionColoradoAuto Loan580+$2K–$100K—TransUnionExperian
Westerra Credit UnionColoradoAuto Loan580+$2K–$100K—ExperianEquifax
Affinity Plus Federal CUMinnesotaAuto Loan580+$2K–$100K—EquifaxTransUnion
Wings Financial Credit UnionMinnesotaAuto Loan580+$2K–$100K—EquifaxExperian
TruStone Financial CUMinnesota / WisconsinAuto Loan580+$2K–$100K—EquifaxExperian
Royal Credit UnionWisconsinAuto Loan580+$2K–$100K—EquifaxExperian
UW Credit UnionWisconsinAuto Loan580+$2K–$100K—ExperianEquifax
Summit Credit UnionWisconsinAuto Loan580+$2K–$100K—EquifaxTransUnion
CoVantage Credit UnionWisconsin / MidwestAuto Loan580+$2K–$100K—ExperianTransUnion
Altra Federal Credit UnionWisconsin / NationalAuto Loan580+$2K–$100K—EquifaxExperian
DFCU FinancialMichiganAuto Loan580+$2K–$100K—EquifaxExperian
MSU Federal Credit UnionMichiganAuto Loan580+$2K–$100K—ExperianEquifax
Lake Trust Credit UnionMichiganAuto Loan580+$2K–$100K—TransUnionExperian
Michigan First Credit UnionMichiganAuto Loan580+$2K–$100K—EquifaxExperian
Genisys Credit UnionMichiganAuto Loan580+$2K–$100K—ExperianEquifax
BCU (Baxter Credit Union)Illinois / NationalAuto Loan580+$2K–$100K—EquifaxExperian
CEFCU (Citizens Equity First)Illinois / MidwestAuto Loan580+$2K–$100K—EquifaxExperian
KEMBA Financial Credit UnionOhioAuto Loan580+$2K–$100K—ExperianEquifax
Veridian Credit UnionIowaAuto Loan580+$2K–$100K—EquifaxExperian
GreenState Credit UnionIowaAuto Loan580+$2K–$100K—EquifaxTransUnion
Dupaco Community Credit UnionIowa / WI / ILAuto Loan580+$2K–$100K—ExperianEquifax
CommunityAmerica Credit UnionMissouri / KansasAuto Loan580+$2K–$100K—EquifaxExperian
Mazuma Credit UnionMissouri / KansasAuto Loan580+$2K–$100K—ExperianEquifax
NASA Federal Credit UnionNational (Gov/Mid-Atlantic)Auto Loan580+$2K–$100K—ExperianEquifax
NIH Federal Credit UnionNational (Healthcare/Gov)Auto Loan580+$2K–$100K—EquifaxExperian
Northwest Federal Credit UnionVirginia / NationalAuto Loan580+$2K–$100K—ExperianTransUnion
Apple Federal Credit UnionVirginiaAuto Loan580+$2K–$100K—ExperianEquifax
Langley Federal Credit UnionVirginiaAuto Loan580+$2K–$100K—EquifaxExperian
Virginia Credit UnionVirginiaAuto Loan580+$2K–$100K—EquifaxTransUnion
DuPont Community Credit UnionVirginiaAuto Loan580+$2K–$100K—ExperianTransUnion
Chartway Federal Credit UnionVirginia / UtahAuto Loan580+$2K–$100K—EquifaxExperian
Hudson Valley Credit UnionNew YorkAuto Loan580+$2K–$100K—ExperianTransUnion
Teachers Federal Credit UnionNew York / NationalAuto Loan580+$2K–$100K—EquifaxExperian
Bethpage Federal Credit UnionNew YorkAuto Loan580+$2K–$100K—ExperianTransUnion
SEFCU (State Employees FCU)New YorkAuto Loan580+$2K–$100K—ExperianEquifax
ESL Federal Credit UnionNew York (Rochester)Auto Loan580+$2K–$100K—ExperianTransUnion
Municipal Credit UnionNew York CityAuto Loan580+$2K–$100K—TransUnionExperian
Hanscom Federal Credit UnionMassachusettsAuto Loan580+$2K–$100K—ExperianEquifax
Metro Credit UnionMassachusettsAuto Loan580+$2K–$100K—EquifaxExperian
Workers Credit UnionMassachusettsAuto Loan580+$2K–$100K—ExperianTransUnion
American Eagle Financial CUConnecticutAuto Loan580+$2K–$100K—ExperianEquifax
Affinity Federal Credit UnionNew Jersey / NationalAuto Loan580+$2K–$100K—ExperianEquifax

Personal Loans & Lines of Credit

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Navy Federal Credit UnionNationalPersonal Loan/LOC640+$2K–$25K—TransUnionExperian
PenFed Credit UnionNationalPersonal Loan620+$500–$50K—EquifaxTransUnion
USAA Federal SavingsNational (Military)Personal Loan620+$500–$50K—TransUnionEquifax
Alliant Credit UnionNationalPersonal Loan/LOC640+$2K–$25K—TransUnionExperian
Boeing Employees CU (BECU)Pacific NorthwestPersonal Loan620+$500–$50K—TransUnionEquifax
Golden 1 Credit UnionCaliforniaPersonal Loan620+$500–$50K—ExperianTransUnion
DCU (Digital Federal CU)NationalPersonal Loan620+$500–$50K—EquifaxTransUnion
America First CUUtah / SouthwestPersonal Loan620+$500–$50K—EquifaxExperian
Suncoast Credit UnionFloridaPersonal Loan620+$500–$50K—EquifaxTransUnion
Lake Michigan Credit UnionMidwestPersonal Loan620+$500–$50K—EquifaxExperian
First Tech Federal CUNationalPersonal Loan/LOC640+$2K–$25K—EquifaxTransUnion
RBFCUTexasPersonal Loan620+$500–$50K—EquifaxTransUnion
Ent Credit UnionColoradoPersonal Loan620+$500–$50K—ExperianEquifax
Connexus Credit UnionNationalPersonal Loan620+$500–$50K—TransUnionExperian
Wright-Patt Credit UnionMidwestPersonal Loan620+$500–$50K—ExperianTransUnion
Mountain America CUMountain WestPersonal Loan620+$500–$50K—ExperianEquifax
Space Coast Credit UnionFloridaPersonal Loan620+$500–$50K—ExperianEquifax
Consumers Credit UnionMidwestPersonal LOC640+$2K–$25K—TransUnionEquifax
Andrews Federal CUMid-AtlanticPersonal Loan620+$500–$50K—EquifaxExperian
SchoolsFirst FCUCaliforniaPersonal Loan620+$500–$50K—ExperianN/A
Landmark Credit UnionMidwestPersonal Loan620+$500–$50K—ExperianEquifax
Kinecta Federal CUCaliforniaPersonal Loan620+$500–$50K—ExperianN/A
Justice Federal CUNationalPersonal Loan620+$500–$50K—TransUnionEquifax
State Employees' Credit Union (SECU)North CarolinaPersonal Loan620+$500–$50K—EquifaxTransUnion
VyStar Credit UnionFlorida / GeorgiaPersonal Loan620+$500–$50K—EquifaxExperian
GTE FinancialFloridaPersonal Loan620+$500–$50K—EquifaxTransUnion
Delta Community Credit UnionGeorgia / SoutheastPersonal Loan620+$500–$50K—EquifaxExperian
Georgia's Own Credit UnionGeorgiaPersonal Loan620+$500–$50K—ExperianEquifax
Robins Financial Credit UnionGeorgiaPersonal Loan620+$500–$50K—EquifaxTransUnion
Coastal Federal Credit UnionNorth CarolinaPersonal Loan620+$500–$50K—ExperianEquifax
Truliant Federal Credit UnionNorth CarolinaPersonal Loan620+$500–$50K—EquifaxExperian
Allegacy Federal Credit UnionNorth CarolinaPersonal Loan620+$500–$50K—ExperianTransUnion
Founders Federal Credit UnionSouth CarolinaPersonal Loan620+$500–$50K—EquifaxExperian
South Carolina Federal CUSouth CarolinaPersonal Loan620+$500–$50K—ExperianEquifax
ORNL Federal Credit UnionTennesseePersonal Loan620+$500–$50K—ExperianTransUnion
Eastman Credit UnionTennesseePersonal Loan620+$500–$50K—EquifaxExperian
Y-12 Federal Credit UnionTennesseePersonal Loan620+$500–$50K—ExperianEquifax
Ascend Federal Credit UnionTennesseePersonal Loan620+$500–$50K—EquifaxTransUnion
Redstone Federal Credit UnionAlabamaPersonal Loan620+$500–$50K—EquifaxExperian
Alabama Credit UnionAlabamaPersonal Loan620+$500–$50K—EquifaxTransUnion
Avadian Credit UnionAlabamaPersonal Loan620+$500–$50K—ExperianEquifax
MAX Credit UnionAlabamaPersonal Loan620+$500–$50K—EquifaxExperian
Hope Credit UnionMississippi / Deep SouthPersonal Loan620+$500–$50K—EquifaxExperian
Security Service Federal CUTexas / Utah / ColoradoPersonal Loan620+$500–$50K—EquifaxExperian
A+ Federal Credit UnionTexas (Austin)Personal Loan620+$500–$50K—EquifaxTransUnion
Amplify Credit UnionTexasPersonal Loan620+$500–$50K—ExperianEquifax
University Federal Credit Union (TX)TexasPersonal Loan620+$500–$50K—EquifaxExperian
Neighborhood Credit UnionTexas (Dallas)Personal Loan620+$500–$50K—ExperianEquifax
Texas Trust Credit UnionTexasPersonal Loan620+$500–$50K—EquifaxTransUnion
Generations Federal Credit UnionTexasPersonal Loan620+$500–$50K—EquifaxExperian
Tinker Federal Credit UnionOklahomaPersonal Loan620+$500–$50K—EquifaxExperian
Communication Federal CUOklahomaPersonal Loan620+$500–$50K—ExperianTransUnion
Patelco Credit UnionCalifornia (Bay Area)Personal LOC640+$2K–$25K—TransUnionExperian
Travis Credit UnionCaliforniaPersonal Loan620+$500–$50K—ExperianEquifax
San Diego County Credit UnionCaliforniaPersonal Loan620+$500–$50K—ExperianTransUnion
Logix Federal Credit UnionCaliforniaPersonal Loan620+$500–$50K—ExperianEquifax
Star One Credit UnionCalifornia (Silicon Valley)Personal Loan620+$500–$50K—ExperianTransUnion
SAFE Credit UnionCalifornia (Sacramento)Personal Loan620+$500–$50K—ExperianEquifax
Redwood Credit UnionCaliforniaPersonal Loan620+$500–$50K—ExperianTransUnion
Chevron Federal Credit UnionCaliforniaPersonal Loan620+$500–$50K—ExperianEquifax
Provident Credit UnionCaliforniaPersonal Loan620+$500–$50K—ExperianTransUnion
Desert Financial Credit UnionArizonaPersonal Loan620+$500–$50K—ExperianEquifax
OneAZ Credit UnionArizonaPersonal Loan620+$500–$50K—EquifaxExperian
Vantage West Credit UnionArizonaPersonal Loan620+$500–$50K—ExperianTransUnion
Hughes Federal Credit UnionArizonaPersonal Loan620+$500–$50K—ExperianEquifax
OnPoint Community Credit UnionOregonPersonal Loan620+$500–$50K—ExperianTransUnion
Oregon Community Credit UnionOregonPersonal Loan620+$500–$50K—ExperianEquifax
Advantis Credit UnionOregonPersonal Loan620+$500–$50K—ExperianTransUnion
Unitus Community Credit UnionOregonPersonal Loan620+$500–$50K—ExperianTransUnion
SELCO Community Credit UnionOregonPersonal Loan620+$500–$50K—ExperianEquifax
Gesa Credit UnionWashingtonPersonal Loan620+$500–$50K—ExperianTransUnion
Numerica Credit UnionWashingtonPersonal Loan620+$500–$50K—TransUnionExperian
STCU (Spokane Teachers CU)Washington / IdahoPersonal Loan620+$500–$50K—ExperianEquifax
Idaho Central Credit UnionIdahoPersonal Loan620+$500–$50K—ExperianTransUnion
Global Credit Union (Alaska USA)Alaska / NationalPersonal Loan620+$500–$50K—ExperianEquifax
Hawaii State Federal CUHawaiiPersonal Loan620+$500–$50K—ExperianTransUnion
Utah Community Credit Union (UCCU)UtahPersonal Loan620+$500–$50K—EquifaxExperian
Cyprus Credit UnionUtahPersonal Loan620+$500–$50K—ExperianEquifax
Goldenwest Credit UnionUtahPersonal Loan620+$500–$50K—EquifaxTransUnion
Bellco Credit UnionColoradoPersonal Loan620+$500–$50K—ExperianEquifax
Elevations Credit UnionColoradoPersonal Loan620+$500–$50K—ExperianTransUnion
Canvas Credit UnionColoradoPersonal Loan620+$500–$50K—TransUnionExperian
Westerra Credit UnionColoradoPersonal Loan620+$500–$50K—ExperianEquifax
Affinity Plus Federal CUMinnesotaPersonal Loan620+$500–$50K—EquifaxTransUnion
Wings Financial Credit UnionMinnesotaPersonal Loan620+$500–$50K—EquifaxExperian
TruStone Financial CUMinnesota / WisconsinPersonal Loan620+$500–$50K—EquifaxExperian
Royal Credit UnionWisconsinPersonal Loan620+$500–$50K—EquifaxExperian
UW Credit UnionWisconsinPersonal Loan620+$500–$50K—ExperianEquifax
Summit Credit UnionWisconsinPersonal Loan620+$500–$50K—EquifaxTransUnion
DFCU FinancialMichiganPersonal Loan620+$500–$50K—EquifaxExperian
MSU Federal Credit UnionMichiganPersonal Loan620+$500–$50K—ExperianEquifax
Lake Trust Credit UnionMichiganPersonal Loan620+$500–$50K—TransUnionExperian
Michigan First Credit UnionMichiganPersonal Loan620+$500–$50K—EquifaxExperian
Genisys Credit UnionMichiganPersonal Loan620+$500–$50K—ExperianEquifax
BCU (Baxter Credit Union)Illinois / NationalPersonal Loan620+$500–$50K—EquifaxExperian
CEFCU (Citizens Equity First)Illinois / MidwestPersonal Loan620+$500–$50K—EquifaxExperian
KEMBA Financial Credit UnionOhioPersonal Loan620+$500–$50K—ExperianEquifax
Veridian Credit UnionIowaPersonal Loan620+$500–$50K—EquifaxExperian
GreenState Credit UnionIowaPersonal Loan620+$500–$50K—EquifaxTransUnion
Dupaco Community Credit UnionIowa / WI / ILPersonal Loan620+$500–$50K—ExperianEquifax
CommunityAmerica Credit UnionMissouri / KansasPersonal Loan620+$500–$50K—EquifaxExperian
Mazuma Credit UnionMissouri / KansasPersonal Loan620+$500–$50K—ExperianEquifax
NASA Federal Credit UnionNational (Gov)Personal Loan620+$500–$50K—ExperianEquifax
NIH Federal Credit UnionNational (Healthcare)Personal Loan620+$500–$50K—EquifaxExperian
Congressional Federal CUNational (Gov)Personal Loan620+$500–$50K—TransUnionExperian
Northwest Federal Credit UnionVirginia / NationalPersonal Loan620+$500–$50K—ExperianTransUnion
Apple Federal Credit UnionVirginiaPersonal Loan620+$500–$50K—ExperianEquifax
Langley Federal Credit UnionVirginiaPersonal Loan620+$500–$50K—EquifaxExperian
Virginia Credit UnionVirginiaPersonal Loan620+$500–$50K—EquifaxTransUnion
DuPont Community Credit UnionVirginiaPersonal Loan620+$500–$50K—ExperianTransUnion
Chartway Federal Credit UnionVirginia / UtahPersonal Loan620+$500–$50K—EquifaxExperian
Affinity Federal Credit UnionNew Jersey / NationalPersonal Loan620+$500–$50K—ExperianEquifax
Hudson Valley Credit UnionNew YorkPersonal Loan620+$500–$50K—ExperianTransUnion
Teachers Federal Credit UnionNew York / NationalPersonal Loan620+$500–$50K—EquifaxExperian
Bethpage Federal Credit UnionNew YorkPersonal Loan620+$500–$50K—ExperianTransUnion
SEFCU (State Employees FCU)New YorkPersonal Loan620+$500–$50K—ExperianEquifax
ESL Federal Credit UnionNew York (Rochester)Personal Loan620+$500–$50K—ExperianTransUnion
Municipal Credit UnionNew York CityPersonal Loan620+$500–$50K—TransUnionExperian
United Nations Federal CUNational / NYCPersonal Loan620+$500–$50K—EquifaxExperian
Hanscom Federal Credit UnionMassachusettsPersonal Loan620+$500–$50K—ExperianEquifax
Metro Credit UnionMassachusettsPersonal Loan620+$500–$50K—EquifaxExperian
Workers Credit UnionMassachusettsPersonal Loan620+$500–$50K—ExperianTransUnion
American Eagle Financial CUConnecticutPersonal Loan620+$500–$50K—ExperianEquifax
Nutmeg State Financial CUConnecticutPersonal Loan620+$500–$50K—EquifaxTransUnion
Charter Oak Federal CUConnecticutPersonal Loan620+$500–$50K—ExperianEquifax
Section IV

Fintech & Online Lenders

Non-traditional lenders increasingly dominant in the modern credit landscape — especially for business funding, personal credit stacking, and inquiry-flexible applications.

Personal Loans

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
SoFiNationalPersonal Loan600+$1K–$50K—TransUnionExperian
SoFiNationalPersonal LOC640+$5K–$100K—TransUnionEquifax
UpgradeNationalPersonal Loan600+$1K–$50K—TransUnionExperian
UpstartNationalPersonal Loan600+$1K–$50K—ExperianTransUnion
LendingClubNationalPersonal Loan600+$1K–$50K—TransUnionEquifax
Best EggNationalPersonal Loan600+$1K–$50K—ExperianTransUnion
AvantNationalPersonal Loan600+$1K–$50K—ExperianEquifax
OneMain FinancialNationalPersonal Loan600+$1K–$50K—TransUnionEquifax
ProsperNationalPersonal Loan600+$1K–$50K—ExperianTransUnion
Rocket LoansNationalPersonal Loan600+$1K–$50K—TransUnionExperian
OportunNational (Near-Prime)Personal Loan600+$1K–$50K—ExperianTransUnion
LendingPointNationalPersonal Loan600+$1K–$50K—ExperianTransUnion
Achieve (formerly FreedomPlus)NationalPersonal Loan600+$1K–$50K—ExperianEquifax
Happy Money (formerly Payoff)NationalPersonal Loan600+$1K–$50K—ExperianTransUnion
Universal CreditNationalPersonal Loan600+$1K–$50K—TransUnionExperian
Reach FinancialNationalPersonal Loan600+$1K–$50K—TransUnionEquifax
FigureNationalPersonal Loan / HELOC640+$5K–$100K—ExperianTransUnion
TallyNationalPersonal LOC (Credit Consolidation)640+$5K–$100K—ExperianTransUnion
Beyond FinanceNationalDebt Consolidation Loan600+$1K–$50K—TransUnionExperian
Mariner FinanceNationalPersonal Loan600+$1K–$50K—ExperianTransUnion
Regional FinanceNationalPersonal Loan600+$1K–$50K—TransUnionEquifax
Republic FinanceNationalPersonal Loan600+$1K–$50K—ExperianEquifax
Lendmark FinancialNationalPersonal Loan600+$1K–$50K—ExperianTransUnion
World FinanceNationalPersonal Loan600+$1K–$50K—EquifaxTransUnion
CitiFinancial (OneMain Financial)NationalPersonal Loan600+$1K–$50K—TransUnionEquifax
Personify FinancialNationalPersonal Loan600+$1K–$50K—TransUnionExperian
OppLoans (OppFi)National (Subprime)Personal Loan600+$1K–$50K—TransUnionEquifax
NetCreditNationalPersonal Loan600+$1K–$50K—ExperianTransUnion
CashNetUSANationalPersonal Loan / LOC640+$5K–$100K—TransUnionExperian
M1 FinanceNationalPledged Asset Loan600+$1K–$50K—ExperianN/A
Lightstream (Truist)NationalPersonal Loan600+$1K–$50K—EquifaxTransUnion
PenFed Personal LoanNationalPersonal Loan600+$1K–$50K—EquifaxTransUnion
AmeriSave PersonalNationalPersonal Loan600+$1K–$50K—ExperianTransUnion

Business Credit & Lines of Credit

InstitutionRegionProductMin ScoreLoan Range0% IntroPrimary PullSecondary Pull
Kabbage (now American Express)NationalBusiness LOC640+$1K–$150K—EquifaxExperian
BluevineNationalBusiness LOC625+$6K–$250K—ExperianTransUnion
FundboxNationalBusiness LOC600+$1K–$150K—EquifaxExperian
OnDeckNationalBusiness Term Loan625+$5K–$250K—EquifaxTransUnion
Biz2CreditNationalBusiness Loan575+$25K–$500K—ExperianEquifax
CrediblyNationalBusiness LOC625+$5K–$250K—EquifaxTransUnion
Divvy (now BILL)NationalBusiness Credit Card650+$1K–$500K—ExperianTransUnion
RampNationalBusiness Charge CardNo Min$500–$250K—ExperianN/A
BrexNationalBusiness Charge CardNo Min$500–$250K—ExperianN/A
Amazon Business (Synchrony)NationalBusiness Credit Card650+$2K–$50K6 mo 0%ExperianTransUnion
Sam's Club Business (Synchrony)NationalBusiness Credit Card650+$2K–$50K6 mo 0%ExperianTransUnion
PayPal Business CreditNationalBusiness LOC640+$1K–$250K—ExperianTransUnion
Rapid FinanceNationalBusiness Term / MCA550+$5K–$500K—EquifaxExperian
National FundingNationalBusiness Term / Equipment600+$5K–$500K—ExperianEquifax
Lendio (Marketplace)NationalBusiness Marketplace625+$5K–$250K—ExperianEquifax
Funding CircleNationalBusiness Term Loan660+$25K–$500K—EquifaxExperian
Fora FinancialNationalBusiness Term / MCA570+$5K–$1.5M—EquifaxTransUnion
Headway Capital (Enova)NationalBusiness LOC625+$5K–$100K—ExperianTransUnion
LendrNationalBusiness Term / MCA600+$5K–$500K—EquifaxExperian
Forward FinancingNationalRevenue-Based Financing600+$5K–$500K—EquifaxTransUnion
Balboa CapitalNationalBusiness Term / Equipment620+$5K–$250K—ExperianEquifax
Credibility CapitalNationalBusiness Term Loan600+$5K–$500K—EquifaxExperian
Fundera (by NerdWallet)NationalBusiness Marketplace625+$5K–$250K—ExperianEquifax
SmartBizNational (SBA Specialist)SBA 7(a) / LOC625+$5K–$250K—ExperianEquifax
KapitusNationalBusiness Term / MCA625+$10K–$750K—EquifaxExperian
CAN CapitalNationalBusiness Term / MCA600+$5K–$500K—EquifaxTransUnion
BoeFlyNational (Franchise Specialist)Business Marketplace625+$5K–$250K—ExperianEquifax
National Business CapitalNationalBusiness Term / LOC625+$5K–$250K—EquifaxExperian
Accion Opportunity FundNational (CDFI)Business Term Loan575+$5K–$250K—ExperianEquifax
TorroNational (Startup Friendly)Business LOC625+$5K–$250K—ExperianTransUnion
ForwardLine FinancialNationalBusiness Term / MCA600+$5K–$500K—EquifaxExperian
Bankers Healthcare GroupNational (Medical)Business Loan700+$20K–$500K—ExperianEquifax
CrediblyNationalBusiness Working Capital625+$5K–$250K—EquifaxExperian
Stripe CapitalNational (Stripe merchants)Merchant AdvanceNo Min$1K–$500K—ExperianN/A
Shopify CapitalNational (Shopify merchants)Merchant AdvanceNo Min$200–$2M—ExperianN/A
Square Loans (Block)National (Square merchants)Merchant AdvanceNo Min$300–$250K—ExperianN/A
Section V

Bureau Pull Frequency Summary Map

A high-level matrix of pull behavior by institution category across all tracked product types. Use this for rapid pre-application planning.

CategoryBusiness CreditAuto LoansPersonal Loans
Tier 1 National Banks Experian heavy Experian heavy Mixed (EX/TU)
Regional Banks Equifax heavy Equifax heavy Equifax heavy
Credit Unions Varies (single-bureau common) TU/EQ split TU/EQ split
Fintech / Online EX/EQ split Rare (few auto) TransUnion heavy

Key Takeaways

EX

Experian Dominance

Experian leads in Tier 1 business cards, fintech lenders, and most auto captive financing. Protect it if you plan heavy business funding.

EQ

Equifax Dominance

Equifax dominates regional banks across all products. If you live in a regional bank footprint, elevate Equifax before applying.

TU

TransUnion Sweet Spot

TransUnion rules fintech personal loans and several credit union auto products — ideal for stacking without touching EX or EQ.

Section VI

Strategic Bureau Management Playbook

Tactical frameworks for applying bureau isolation, inquiry stacking, and pre-application sequencing in real-world scenarios.

🧠 The "Bureau Isolation" Technique

SCENARIO: You want to add 3 new business credit cards in the same month. WRONG approach: Apply to Chase, Citi, and AmEx → All three pull Experian. Result: 3 hard inquiries on Experian. Score suppressed. Likely denials 2 and 3 after the first hits. RIGHT approach: Apply to Chase (Experian) + Capital One (Equifax) + Barclays (TransUnion). Result: 1 inquiry per bureau. Minimal score impact across all three. Each bureau looks untouched → approvals more likely.

🏠 The Mortgage Preparation Protocol

GOAL: Maximize the MIDDLE score before mortgage application. Step 1: Identify which bureau carries your lowest score. Step 2: Add a positive tradeline that reports to that specific bureau. Step 3: Pay down any balances showing on that bureau. Step 4: Dispute errors on that bureau only (targeted approach). Step 5: Apply when the weakest bureau rises above the program's minimum threshold. Remember: Mortgages use tri-merge. The lowest score is discarded, the highest is discarded, and the MIDDLE score sets your rate tier.

🚗 Auto Loan Hack: Dealer vs. Direct

CAUTION: Dealer-arranged financing sends your application to multiple lenders. This creates MULTIPLE inquiries across multiple bureaus in minutes. Your score can drop 20+ points from stacked dealer pulls alone. BETTER: Pre-approve through your target institution DIRECTLY before stepping onto the lot. This preserves inquiry control and bureau isolation. PRO MOVE: Bring a pre-approval letter to the dealer and tell finance you're not authorizing additional pulls. Most dealers will honor it.

💼 Business Credit Stacking Sequence

30-Day Funding Round — Cross-Bureau Structure

Day 1: Apply Chase Ink (Experian) → Day 3: Apply Capital One Spark (Equifax) → Day 5: Apply Barclays Business (TransUnion) → Day 10: Apply Amex Business Gold (Experian) → Day 14: Apply PNC Business (Equifax).

Total inquiries per bureau: 2 Experian, 2 Equifax, 1 TransUnion. Impact is spread — and approval odds maximize because each underwriter sees a "clean" file relative to its own bureau.

⚠️ What NOT to Do

✗

Mass Dealership Applications

Never allow a dealer to "shop your file." Each shopped lender = fresh hard inquiry.

✗

Same-Bureau Stacking

Applying to five Experian-pulling lenders in one week is the fastest way to tank your score.

✗

Ignoring State Variation

A lender may pull Equifax in California but Experian in Texas. Always verify for your state.

✗

Skipping Pre-Qualification

Most lenders offer a soft-pull prequalification. Use it before submitting a formal application.

Section VII

Risk Mitigation & Disclaimer

Essential limitations and risk factors every strategist must understand before applying this data in real credit decisions.

⚠️ Treat This Data as Directional, Not Absolute

This database represents the best available crowdsourced and publicly reported bureau pull behavior as of publication. Lender behavior evolves continuously. Always cross-reference with live community data from myFICO Forums and CreditBoards before high-stakes applications.

1. Geographic Variation

Credit bureau pull preferences can vary significantly by state, ZIP code, and regional underwriting center. A lender that pulls Experian in California may pull Equifax in Texas or TransUnion in Florida for identical products.

2. Underwriting Tier Variation

Some institutions change their primary pull based on the applicant's risk tier. High-credit-score applicants may trigger a different pull than near-prime or thin-file applicants undergoing alternative bureau scoring.

3. System & Policy Updates

Lenders update their core banking systems, credit policy guidelines, and bureau contracts on a regular basis. Bureau pull assignments can change without public notice. Data in this module should be treated as directional intelligence.

4. Mortgage Tri-Merge Is Federally Mandated

For all Qualified Mortgage (QM) products sold in the secondary market (Fannie Mae, Freddie Mac, FHA, VA, USDA), tri-merge pulls from all three bureaus are required by federal regulation. The middle score is used for rate and approval determination.

5. Business vs. Personal Guaranty

For business credit products, some lenders pull the business's commercial credit profile (Dun & Bradstreet, Experian Business, Equifax Business) rather than — or in addition to — the owner's personal bureaus. This database reflects personal guarantee pulls unless otherwise noted.

6. Soft vs. Hard Inquiry Status

Prequalification processes often use soft inquiries that do not affect credit scores. A listed bureau pull reflects the hard inquiry generated upon formal application submission.

7. No Guarantee of Outcomes

Bureau pull mapping is one tool in a comprehensive credit strategy. Credit decisions are subject to lender-specific policies, underwriting criteria, regulatory requirements, and market conditions beyond the scope of any single database.

8. Credit Score & Loan Amount Data Is Approximate

Minimum credit score thresholds and loan amount ranges reflect typical observed approval patterns based on publicly available data and community reports. Actual approval requirements vary significantly by applicant profile (income, DTI, existing relationship, business vitals), state of residence, and current underwriting cycles. A score of "680+" means most approvals occur at or above this threshold — not that every applicant above it will be approved, nor that no applicant below it has ever been approved.

9. 0% Intro APR Offers Are Promotional and Subject to Change

Zero-percent introductory APR periods on credit cards typically apply to purchases, balance transfers, or both, for a limited promotional window — after which a standard variable APR applies. Promotional periods, qualifying terms, and balance-transfer fees vary by card product and are frequently adjusted by issuers. For auto loans marked "Promo Avail.", 0% manufacturer financing is typically available only on new-model vehicles, for qualified borrowers (typically 720+), on shorter terms (36–60 months), and often mutually exclusive with cash rebates. Always verify current promotional terms directly with the issuer before application.

10. Not Legal, Tax, or Financial Advice

This module is educational in nature. It does not constitute legal, tax, financial, or credit advice. Always consult a licensed financial professional before making credit decisions.