Pre-approval
Credit scores & reportsA provisional indication that you are likely to be accepted for a product, subject to final checks.
Overview
Pre-approval often uses a soft search and basic information.
Final approval can still depend on full checks and verification.
Why it matters
- It can increase confidence before applying.
- It may reduce the risk of a hard search rejection.
- It is not a guarantee of acceptance.
FAQs
Does pre-approval guarantee acceptance?
No. Final checks and verification can still lead to a decline.
Is pre-approval a hard search?
Usually it is a soft search, but you should always confirm.
Related terms
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