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Does checking affect my credit score?
No. Checking your options with Leverage starts with a soft credit check, which other lenders can't see and which doesn't affect your credit score. You can find out where you stand at zero cost to your file.
By Leverage Finance · Updated 17 July 2026
To be completely straight about the next step: if you decide to proceed to a full application with a lender, that lender runs their own check, and it can appear on your credit file as a normal application enquiry. One enquiry for a loan you're genuinely pursuing is ordinary. What bruises a file is a scatter of applications in a short window, which is exactly what the soft-check-first approach avoids.
The full picture is in Does refinancing hurt your credit score?
Same car. See what a better loan looks like.
Two minutes, one soft check to start, no obligation. Your file goes to a panel of NZ lenders and the strongest offer comes back.
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