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Auto financing: Prequalification vs. preapproval Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering interactive financial calculators and tools, publishing original and objective content. We also allow you to conduct your own research and compare data at no cost - so that you can make financial decisions with confidence. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site are from companies that pay us. This compensation can affect the way and where products appear on this site, including, for example, the order in which they may be listed within the categories of listing, except where prohibited by law. This applies to our mortgage or home equity products, as well as other home lending products. This compensation, however, does affect the information we provide, or the reviews that you see on this site. We do not contain the universe of companies or financial offerings that could be available to you.



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3 minutes read. Published November 02, 2022
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Mark Kantrowitz is an expert on student financial aid including the FAFSA as well as scholarships, 529 plans, education tax benefits and student loans.









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The prequalification process and the preapproval procedure are different ways to get an initial review of your auto financing options. Prequalification is less rigorous and requires only some basic information about your financial status, and provides you estimates of what interest rate and terms that you could be eligible for. Preapproval requires you to share more financial and personal information with a creditor, as it's basically an application that is only partial. Prequalification is different from preapproval A is that it is a formal invitation from a lender and comes with terms, and is an estimate of what you could be able to get in terms of car loan conditions you may be eligible for. Since a prequalification isn't binding, it's not of much to use when trying to negotiate with an auto dealership. But whether you opt for an auto loan either prequalification, or preapproval, neither are guaranteed offers -the final approval is contingent on the underwriting department of the lender making sure there are no unexpected issues in your credit history , as well as other aspects like income and employment verification. Advantages of auto loan Preapproval as well as prequalification both preapproval and prequalification let you get an accurate idea of how much money you can feasibly borrowand the amount you'll pay to borrow it. Benefits of preapproval With preapproval means that you can shop with confidence, knowing that you will most likely get the same or very comparable interest rates. It is also possible to utilize your preapproval as a point of with the dealership when you go to the finance department, placing pressure on them to beat the rate. Benefits of prequalification Prequalification is a low-risk method to determine the kind of loan you might qualify for particularly if you're not yet ready to shop in earnest. Credit scores aren't affected as the lender will not conduct a thorough credit check. What should you be aware of regarding prequalification for auto loan prequalification or preapproval. When you apply for a prequalification in the event of a preapproval for an auto loan, you get a rough estimate of what loan amount and the rate you will be offered. Then, you can use this information to shop around for the best rate and remember that prequalifying isn't an official offer. Rates cannot be guaranteed and their validity is dependent on how accurate the information you provide is. Preapprovals don't guarantee anything either. If your income, employment or credit significantly change between the time you're preapproved and when you apply, you may be refused the loan. Be aware of this when shopping, and be mindful when you spend money -- particularly with credit cards. How do I obtain pre-approval for the car loan If you decide that a car loan is the best option for you, you will have to collect the required documents and submit an application for preapproval. It is advised to look into reputable lenders prior to making an application. Once you have been preapproved and approved, you'll have a clear idea of how much you can spend and will be in control when it's time to bargain. Preapproved auto loans generally last for 30 to 60 days. If you are for preapproval, there are a few steps you can follow. Examine your application for errors or increase the amount of your down payment, reduce your total debt, or even try a different lender. Before attempting to work with a different lender be sure to be sure to discuss the reasons of the rejection with the lender you made an application to. The information you must provide to be prequalified or prequalified Preapproval and prequalification require some of the same information. Be prepared to provide: Personal information, like your name, address , and telephone number. Financial information, including your income and your housing payment. Information regarding the loan which includes the amount you'd like to take out. Preapproval will likely require additional details, such as the Social Security number and birthdate so the lender can pull your full credit report. This is referred to as an "hard credit pull" and will temporarily reduce your credit score by some points. The bottom line Prequalification and preapproval are two useful tools for knowing how much you could spend on an auto loan. Preapproval can also help you obtain a better deal at the dealership if contemplating financing with it. But the offers aren't guaranteed, so spend prudently when shopping. Learn more


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Written by

This article was written with the help of automation technology, and then edited and fact-checked by an editor on our editorial team.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain the confidence to take control of their finances by providing concise, well-studied information that breaks down otherwise complicated subjects into digestible pieces.






Auto loans editor


Reviewed by Mark Kantrowtiz Reviewed by Nationally recognized student financial aid expert

Mark Kantrowitz is an expert on student financial aid including the FAFSA as well as 529 plans, scholarships, education tax benefits and student loans.






Nationally acknowledged expert in student financial aid




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