May 8, 2019 | Roadrunner Financial

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When customers shop and apply for financing, they kick off a review process with the bank or lender. There are actually two types of reviews – soft pulls and hard pulls – both of these “pull” the applicant’s credit history but serve two different functions. To better understand the difference, we’ve put together a breakdown […]

© 2025 Octane Lending, Inc.® (Octane ®) All Rights Reserved. Roadrunner Account Services® (NMLS ID. 1758660) is a subsidiary and in-house servicer for Roadrunner Financial® (NMLS ID. 1525116) a licensed sales finance company. Their parent company Octane is a fintech revolutionizing the buying experience for major recreational purchases.

DISCLOSURE: Prior to utilizing Roadrunner Financial as a lender, all dealerships are subject to underwriting approval by Roadrunner Financial, Inc., in its sole discretion. No loans will be funded without a signed Dealer Agreement between the dealership and Roadrunner Financial, Inc.

APPLY FOR FINANCING & OBTAINING PREQUALIFIED OFFERS: Instant finance offers are considered prequalified credit offers and are subject to credit approval. Not all applicants will qualify. A prequalified offer is not a firm offer of credit, and all applicants are still subject to full credit approval. Other qualifications, terms and restrictions may apply. Applicants are still subject to underwriting and confirmation of the information that was originally entered in the applicant’s online application. Prior to extending a firm offer of credit, a full credit report from one or more consumer reporting agencies will be requested prior to contract generation, which is considered a hard credit pull and may affect an applicant’s credit. A firm offer of credit is not provided until financing contracts are generated. Offers not valid for units used for commercial or business purposes. Offers effective on eligible and qualified units purchased from a participating dealer. To apply for financing for a new or used vehicle with Roadrunner Financial, Inc. (“RF”), you must purchase your vehicle from a select dealer in the RF network and apply online or by calling 646-370-5471. The dealer may be the original creditor and assign the financing to RF. Financing may be available for applicants selecting dealers outside of the RF’s network, but the credit decision and closing process may be different. All applications are subject to credit approval by RF. Additional terms and conditions apply. Offers valid in the U.S. only. Other financing offers are available. Offers void where prohibited. OFFERS SUBJECT TO CHANGE WITHOUT NOTICE.

Approval, rates, minimum purchase requirements and terms offered are based upon the credit bureau (FICO®) score obtained in connection with the prequalified credit application submitted and overall credit worthiness. FICO® Credit Score, key factors and other credit information are based on data from Experian® and may be different from other credit scores and other credit information provided by different bureaus.

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Day: May 8, 2019

What is a Credit Pull? Soft vs Hard Pull, and Why Both Matter

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