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Frequently Asked Questions

What’s a soft credit search?

A soft credit search gives a view of your credit history without impacting your credit score. Other lenders won’t be able to see the search has been made. We run a soft search when you request a personalised quote,  and then show you the APR you will be offered if you go onto take out a loan with one of the credit unions we work with.

If you go onto accept your loan agreement and apply for the loan, we will run a hard credit search and  get more detailed information about your credit history. Unlike a soft search, this can affect your credit score and other lenders will know about it. If you have a lot of hard searches in a short period of time, it can make lenders less likely to want to lend to you as it could look like you are becoming reliant on credit.


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My Community Finance

Giving savers and borrowers access to ethical lenders such as credit unions through the Community Finance Network. For you. For everyone.

My Community Finance is a credit broker, not a lender. My Community Finance is the registered trading name of Amplifi Capital (U.K.) Limited [Amplifi] with UK company number 08641995 and registered address 30 Churchill Place, Canary Wharf, London E14 5EU. Amplifi Capital (U.K.) Limited is authorised and regulated by the Financial Conduct Authority with FRN 718749. Amplifi Capital (U.K.) Limited is registered with the Information Commissioner’s Office with registration number ZA040320. Amplifi Capital (U.K.) Limited partners with the Community Finance Network; the Community Finance Network is a group of credit unions and CDFIs committed to providing fair and ethical loans. Participating credit unions are authorised by the Prudential Regulation Authority (Bank of England) and regulated by the Financial Conduct Authority. Participating CDFIs are regulated by the Financial Conduct Authority. Their respective details, including registration numbers with both regulatory bodies, can be found on the Community Finance Network website. CCTA Membership Number CCTA1265. 

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