The first step when considering an Oakbrook Loan is to check your eligibility. We call this a soft search. Checking your eligibility will not be visible to other lenders on your credit file. Once you submit your application and we make a final decision this will be visible on your credit file as a hard search. A hard search will be recorded and visible on your credit file to other lenders. We'll make it clear to you when we do this and won't proceed without your consent.