A personal loan rates eligibility checker usually uses a soft credit search, so checking your likely rate should not affect your credit score. It may show loans you are more likely to qualify for and an estimated APR, but approval and the final rate are only decided after a full application. Check the eligibility criteria, total amount repayable and any fees before applying. If you proceed, use an FCA-authorised lender or comparison service and avoid making several full applications close together.