> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Will applying for a loan with PADS impact my credit score?

The pre-approval will not impact your credit score. Completing and submitting your application will require a credit check which may or may not impact your credit score depending on your credit history.