Credit checks when you borrow

Buckmatch does not run a credit check when you browse, match or use a calculator. A hard inquiry happens later, and only if you apply with a lender. That split matters: comparing offers here does not leave a footprint on your file.

What a lender looks at

Each lender in Canada sets its own floor: income, existing debt, time at address, and whatever the local credit bureau or register shows. The cheapest advertised APR is for strong files. Thinner files pay more or are declined. The eligibility line on the card is the published rule, not a personal assessment.

How many applications to send

Several hard inquiries in a short window can look like stress on a file. Compare on Buckmatch first, then apply where the written offer is clear. Use match to narrow by amount and term, and read how we compare loans before you click apply.

Related catalogues: personal loans, credit cards, lenders. Supervised by OSFI and the FCAC.