On Sparrow, you can complete a simple, two-minute application and immediately see what rates you qualify for. Unlike other marketplaces, Sparrow integrates directly into our lending partners, allowing us to show real, personalized loan offers. With Sparrow, you’re doing an exhaustive search across many of the top lenders through a single form, rather than going to each lender individually. Checking your prequalified rates with Sparrow will not affect your credit score.

Most other marketplaces will only show you generic rate ranges, meaning that the rates you are shown will not be specific to you. This is effectively the same thing as Expedia showing flight offers between $100 and $1000 -- it’s only helpful if you know where you fall in that range.