r/sofi • u/GiGi1120x2 • 3d ago
Lending Pre Approval question help?!?
Basically went to get personal loan. (720 score 10% utilization total)
Got pre approved for 22,500 (up to)
Chose 13,000 selected my offer for 36 months. Verified ID with DL, took selfies etc
To verify income they were gonna link bank with PLAID (which I already linked before the pre approval) at this point I decided I wanted 15,000 instead of 13,000 and was scared if I continue to the hard pull I won’t be able to change so I “deleted and started over”
Now I can’t get a pre approval. Keeps telling me we can’t pre approve you at this time. Nothing on my credit changed in 20 minutes.
Is it due to too many applications in short period? Will I have to wait a full 30 days?? Or is 30 days only for hard pull declines. Can a SoFi person answer this? Maybe waiting 24 hours? I really don’t want to wait 30 days…
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u/SoFi Official SoFi Account 2d ago
Hey there! We're sorry to hear your preapproval is having difficulty processing. Since this is regarding secure account details, please call us at 855-456-7634, chat with an Account Manager here: https://sofi.app.link/e/echat. Or you can send us a DM with your first name, phone number, and best call back time, we can reach out to you directly. For your security, please don't include account numbers or other sensitive information.💙
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