What Does It Mean If a Rate Couldn’t Be Returned to Me?

A rate may not be returned by the Check My Rate tool due to insufficient credit information or a system/input error. This doesn’t necessarily mean you don’t qualify—it could be due to: Limited or missing credit data Input errors (e.g., mistyped personal details) System issues during the request If you suspect it was a technical or input error, we encourage you to try again . The tool uses a soft credit inquiry , so retrying won’t affect your credit score.

Check My Rate Frequently Asked Questions | First Tech Federal Credit Union

Check My Rate is a convenient, no-impact way to preview your potential loan rate—without affecting your credit score.

This feature is designed to help you explore your options with confidence and clarity. Whether you're considering a personal loan, auto loan or another lending product, Check My Rate gives you personalized estimate based on your financial profile before you apply.

Why members love it:

No credit impact–It’s a soft inquiry, so your credit score stays untouched
Transparent and easy–See your estimated rate in minutes
Empowering–Helps you make informed decisions before submitting a full application

It’s part of our commitment to helping you reach your financial goals with less guess work and more peace of mind.

A rate may not be returned by the Check My Rate tool due to insufficient credit information or a system/input error.

This doesn’t necessarily mean you don’t qualify—it could be due to:

Limited or missing credit data
Input errors (e.g., mistyped personal details)
System issues during the request

If you suspect it was a technical or input error, we encourage you to try again. The tool uses a soft credit inquiry, so retrying won’t affect your credit score.

No, but the results are usually close. The rate is based on a soft credit inquiry and reflects the best estimate with the available information.

Final rates depend on factors like loan amount, term, income, state, collateral and changes to your credit report between when you checked your rate and when you apply.

While not guaranteed, you're more likely to secure the presented rate by applying soon after checking, choosing a shorter term and ensuring sufficient income.

Yes, assuming you accept the loan terms provided, the rate you receive when you formally apply is guaranteed at the loan amount and term presented.

No—receiving a rate through Check My Rate does not guarantee loan approval. While it’s a strong indicator that you may qualify, final approval depends on a full review of your financial profile.

You can proceed to an application by clicking the ‘Start My Application’ button on the Check My Rate screen. Or go to our home page and click the ‘Borrow’ tab.