Apply for your loan and pick a credit card from one of three issuers in the same application. The card decision uses a soft pull — it won't touch your score — and comes with a 90-day same-as-cash window.
One credit file, two products. Your loan application does the heavy lifting — the card ride-along adds a choice, not another form.
Complete a single application with one of our partner originating banks.
Choose one of three credit card issuers inside the same application.
The originator sends your credit file to your chosen issuer. The card decision uses a soft inquiry — no score impact.
Your loan funds and your card ships, with a 90-day same-as-cash offer on the card.
Every application includes a card choice. Compare the three offers side by side and pick the one that fits how you spend.
Flat cash back on everything, no annual fee.
Higher rewards on groceries, gas, and everyday categories.
Credit-builder card with free score monitoring.
We route the workflow. The regulated parties — your originating bank and your chosen issuer — handle your credit file directly with each other.
Your credit file moves directly from the loan originator to your chosen card issuer over their secure channel. It never lands on Loacar systems.
Application status, issuer choice, and opaque reference IDs. No SSNs, no account numbers, no credit reports — we can't leak what we don't hold.
Partner fees settle through Stripe Connect. Banking and payout details live in Stripe's PCI-compliant vault, not ours.
Originating banks earn a per-application fee. Issuers get pre-qualified applicants with a credit file already in hand.
Add a card ride-along to every loan you originate. You send the file, you collect the referral fee — settled automatically through Stripe Connect.
Bank partner portalReceive applicants who chose you, with a fresh credit file from the originator. Soft-pull decisioning stays entirely on your rails.
Issuer portal