One application. A loan and a card.

Apply for your loan and pick a credit card from one of three issuers in the same application. The card decision uses a soft pull — it won't touch your score — and comes with a 90-day same-as-cash window.

How it works

One credit file, two products. Your loan application does the heavy lifting — the card ride-along adds a choice, not another form.

Apply for your loan

Complete a single application with one of our partner originating banks.

Pick your card

Choose one of three credit card issuers inside the same application.

Soft pull only

The originator sends your credit file to your chosen issuer. The card decision uses a soft inquiry — no score impact.

Loan + card arrive together

Your loan funds and your card ships, with a 90-day same-as-cash offer on the card.

Three issuers. Your pick.

Every application includes a card choice. Compare the three offers side by side and pick the one that fits how you spend.

A

Issuer A

Flat cash back on everything, no annual fee.

Soft pull · 90 days same as cash
B

Issuer B

Higher rewards on groceries, gas, and everyday categories.

Soft pull · 90 days same as cash
C

Issuer C

Credit-builder card with free score monitoring.

Soft pull · 90 days same as cash
90days same as cash

Buy now. Pay it off like cash.

  • Purchases on your new card accrue no interest for the first 90 days when paid in full within the window.
  • The window starts the day your card is activated.
  • Pay in full by day 90 and you owe exactly what you spent.
  • Terms are set by your chosen issuer and disclosed before you accept.

Loacar never sees your sensitive data.

We route the workflow. The regulated parties — your originating bank and your chosen issuer — handle your credit file directly with each other.

PASS-THROUGH ONLY

Bank-to-issuer transfer

Your credit file moves directly from the loan originator to your chosen card issuer over their secure channel. It never lands on Loacar systems.

TOKENS, NOT PII

What we actually store

Application status, issuer choice, and opaque reference IDs. No SSNs, no account numbers, no credit reports — we can't leak what we don't hold.

STRIPE CONNECT

Payments held by Stripe

Partner fees settle through Stripe Connect. Banking and payout details live in Stripe's PCI-compliant vault, not ours.

Built for partners on both sides.

Originating banks earn a per-application fee. Issuers get pre-qualified applicants with a credit file already in hand.

For originating banks

Add a card ride-along to every loan you originate. You send the file, you collect the referral fee — settled automatically through Stripe Connect.

Bank partner portal

For card issuers

Receive applicants who chose you, with a fresh credit file from the originator. Soft-pull decisioning stays entirely on your rails.

Issuer portal

Ready when you are.

One form. A loan, a card, and 90 days to pay like cash.

Start application