Start your application

Pick your loan bank and your card issuer here. You'll finish the application on your bank's secure site — Loacar never collects your personal or financial details.

Choose your originating bank Partner bank

Choose your credit card (soft pull, 90 days same as cash) Issuer A — Flat cash back

Simple rewards on every purchase, no annual fee.

Issuer B — Everyday categories

Higher rewards on groceries, gas, and dining.

Issuer C — Credit builder

Build history with free score monitoring.

What happens next: we create an application reference and send you to your chosen bank. The bank runs your loan application and forwards your credit file directly to your chosen issuer for a soft-pull card decision. Loacar stores only the reference ID, your issuer choice, and status updates.