---
title: "OmniaIQ vs. SimpleCheck: Which Soft-Pull Pre-Qualifier Fits Your Team? (2026) | OmniaIQ"
description: "OmniaIQ and SimpleCheck both run FCRA soft pulls with no SSN. SimpleCheck targets high-ticket consumer sales from $97/mo. OmniaIQ covers that plus B2B lending with full credit reports and program matching from $499/mo."
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[![OmniaIQ](/__l5e/assets-v1/152fdd9e-99a7-4ee5-90f9-623667af6e90/omnia-logo.png)](/)[Schedule Demo](/schedule-call)

[← All comparisons](/compare)

Named competitor

# OmniaIQ vs. SimpleCheck: Which Soft-Pull Pre-Qualifier Fits Your Team? (2026)

Quick answer

Both run soft-pull credit checks from name/phone/email with no SSN. SimpleCheck is built for high-ticket consumer sales (coaches, med spas, solar) starting at $97/mo + $3.10/report. OmniaIQ covers that via its Agency tier ($5/run PAYG or $399/mo) and extends to B2B lenders and mortgage LOs with full credit reports, FICO, DTI, and loan program matching from $499/mo.

OmniaIQ is best for

Lenders, ISOs, mortgage LOs, and lead agencies that need a verdict + program match. High-ticket sales teams that want BNPL (Affirm/Afterpay/Klarna) pre-qual signals.

SimpleCheck is best for

High-ticket consumer sales teams already using a SimpleCheck-managed opt-in form and needing native one-click Meta CAPI on paid social.

## Side-by-side comparison

Criterion

OmniaIQ

SimpleCheck

Input required

Name, phone, email — no address, no SSN

Name, email, phone — no SSN

Time to verdict

Under 3 seconds

Real-time on SmartForm submit

SSN required

No

No

Data returned

Business/Mortgage: full credit report + FICO + DTI + program match. Agency: score + available credit + BNPL pre-qual.

Credit score + available credit + reported annual income

Program matching

Yes — MCA, SBA 7(a), LOC, term, Conventional, FHA, VA, HELOC, Jumbo

No — you set score/credit routing rules in SmartRoute

Customizable Pre-Qualification Forms

Yes

No

Customizable Pre-Qualification Website

Yes

No

CRM integrations

HubSpot, GoHighLevel, Salesforce, Zapier, Make, n8n, Typeform, ClickFunnels

GoHighLevel, HubSpot, Salesforce via SmartRoute

Pricing model

Agency $5/run · Business/Mortgage $12/run · subs from $399/mo · no platform fee

$97/mo + $3.10/report · Custom Build $4,500 setup + $999/mo

Implementation time

Same day — API/webhook behind your existing form

Same day on SmartForm (replaces your opt-in form); Custom Build multi-week

Best for

B2B lenders + agencies needing verdict, program match, and Verified File deliverable

Consumer high-ticket sales — coaches, consultants, med spa, solar, dental

**How we compared:** Based on SimpleCheck's publicly listed pricing and features at simplecheck.com and OmniaIQ's published pricing as of July 2026. Verify SimpleCheck's current features and pricing on [their site](https://www.simplecheck.com).

## Which is right for you?

Pick OmniaIQ if…

-   • You need a Qualified/DNQ verdict and loan program matching, not just a score.
-   • Your leads arrive without a home address and you don't want to replace your opt-in form.
-   • You want transparent PAYG ($5 or $12/run) before committing to a subscription.
-   • You need BNPL (Affirm/Afterpay/Klarna) pre-qual signals or an Omnia Verified File for lender delivery.

Pick SimpleCheck if…

-   • You run a consumer high-ticket funnel where SimpleCheck-managed SmartForm + SmartRoute is a fit.
-   • Native one-click Meta CAPI with no middleware is a hard requirement.
-   • You want a 7-day free trial before any commitment and are OK with $97/mo minimum.

## SimpleCheck vs. OmniaIQ — FAQ

SimpleCheck vs OmniaIQ — what's the core difference?

SimpleCheck returns a score, available credit, and income for consumer high-ticket routing. OmniaIQ adds a Qualified/DNQ verdict, full credit report, DTI, and loan program matching on Business Funding and Mortgage tiers — plus BNPL pre-qual signals on the Agency tier.

Is SimpleCheck a good fit for B2B lenders?

SimpleCheck is designed for consumer high-ticket sales, not B2B lending. It doesn't return a full credit report, DTI, or program match. Most lenders/ISOs need OmniaIQ's Business Funding or Mortgage tier.

Does OmniaIQ work for high-ticket sales teams?

Yes. The Agency tier returns credit score, available credit, and BNPL pre-qual (Affirm/Afterpay/Klarna) from name/phone/email in under 3 seconds. PAYG is $5/run with no platform fee; Starter is $399/mo for 100 runs.

Do I have to replace my opt-in form?

No. OmniaIQ runs behind your existing form via API or webhook. SimpleCheck's SmartForm plan requires replacing your opt-in with theirs; the Custom Build plan works behind existing forms but starts at $4,500 setup + $999/mo.

How does pricing compare at 100 runs/mo?

OmniaIQ Agency Starter is $399 flat. SimpleCheck SmartForm is $97 + $3.10 × 100 ≈ $407. OmniaIQ pulls further ahead at 250+ runs (Agency Growth $750/mo vs SimpleCheck ~$872).

Does SimpleCheck return BNPL pre-qual for Affirm/Afterpay/Klarna?

No. SimpleCheck returns score, available credit, and income. OmniaIQ's Agency tier returns program-specific BNPL pre-qual signals for Affirm, Afterpay, and Klarna.

Is a soft pull safe?

Yes. Both are FCRA soft pulls — no impact to the applicant's score and not visible to other lenders. You are responsible for capturing consent and certifying permissible purpose.

Which integrates with GoHighLevel?

Both. OmniaIQ pushes verdicts, FICO, DTI, and program match into GHL contact records via webhook; SimpleCheck routes leads via SmartRoute.

## Ready to see the verdict for yourself?

Schedule a 30-minute demo — we'll qualify your last 100 leads live.

[Schedule Demo](/schedule-call) [See pricing](/pricing)

![OmniaIQ](/__l5e/assets-v1/5344b935-33db-4f6d-9634-494f52094646/omnia-logo-dark.png)

The real-time credit intelligence layer for lenders, brokers, and lead providers.

[support@omniaiq.ai](mailto:support@omniaiq.ai)

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OmniaIQ pre-qualifications are soft credit pulls only. They do not impact the applicant's credit score and are not visible on their credit report.