Does a soft credit pull hurt my credit score?
No. A soft pull is invisible to other lenders and has zero effect on your score — you can apply, get a written term sheet in 24–48 hours, and walk away with your credit exactly where it started.
A hard inquiry appears on your report, is visible to every future lender, and can shave a few points, with the effect compounding if you shop several banks in a season. A soft inquiry shows only to you. Rate-shopping an ag loan across five institutions that all pull hard is a real cost; shopping a soft-pull lender is free.
This matters most for borrowers who are mid-transaction elsewhere. If you are also financing equipment, a pickup, or an operating line this year, keeping hard inquiries off your file until a deal is actually happening protects the score those other lenders will see.
The soft pull stays soft through the entire quoting stage. A hard pull enters the picture only after you have signed a term sheet and the file is heading to closing — at that point you already know your price and terms, so there is nothing left to shop.
The Turnrow angle
Turnrow's sequence is deliberate: soft pull to qualify, written terms in hand, and only then — with your signature on the term sheet — does anything touch the report.
See the full process step by step →
Five minutes, zero documents, and a written term sheet in 24–48 hours answers most questions faster than reading.
Get a term sheet