Checking your rate with Optus Bank will not affect your credit score.  If you proceed with your application after receiving a rate, your credit score may be impacted.

When you check your rate, we make a “soft credit inquiry."   Soft credit inquiries on your report do not lower your credit score, but you may see an inquiry when you view your report. If you are offered a loan and proceed with the application, we will then make a “hard credit inquiry” to verify the accuracy of  your application.  This action will be recorded as an inquiry on your report, and it may impact your credit score.