---
title: "Online Credit Pre-Qualification and Lender Decisions"
description: "A soft-pull pre-qualification and a secure credit application on your dealerMe site, with lender decisions coming back while the shopper is still browsing."
canonical_url: "https://dealerme.com/virtual-retailing/credit-approvals"
---

> Index of every page on this site: [llms.txt](https://dealerme.com/llms.txt)

<hero-with-screenshot image="/img/features/virtual-retailing/heroes/credit-approvals.svg">
<template v-slot:title="">

Financing Answers Without the Waiting Room

</template>

<template v-slot:description="">

Shoppers want to know if they will be approved before they spend a Saturday at a dealership. dealerMe lets them pre-qualify with no effect on their credit score, finish a secure credit application when they are ready and see lender decisions on your site.

</template>
</hero-with-screenshot>

<feature image="/img/features/virtual-retailing/credit-prequal.svg">
<feature-list>
<feature-list-item>
<template v-slot:title="">

No Score Impact

</template>

<template v-slot:description="">

A soft pull, clearly labeled, so shoppers aren't scared off.

</template>
</feature-list-item>

<feature-list-item>
<template v-slot:title="">

Real Tiers

</template>

<template v-slot:description="">

Pre-qualification puts them in a credit tier your payments can use.

</template>
</feature-list-item>

<feature-list-item>
<template v-slot:title="">

Payments That Fit

</template>

<template v-slot:description="">

The payment builder updates with their estimated rate.

</template>
</feature-list-item>
</feature-list>

<template v-slot:callout="">

Pre-qualification

</template>

<template v-slot:title="">

See their rate without a hard pull

</template>

<template v-slot:content="">

Shoppers check what they qualify for using a soft credit pull that doesn't affect their score, so more of them are willing to start.

</template>
</feature>

<feature-left image="/img/features/virtual-retailing/credit-application.svg">
<feature-list>
<feature-list-item>
<template v-slot:title="">

Step by Step

</template>

<template v-slot:description="">

Personal, residence and employment details in short steps.

</template>
</feature-list-item>

<feature-list-item>
<template v-slot:title="">

Encrypted

</template>

<template v-slot:description="">

Sensitive details are encrypted and only shown to people who need them.

</template>
</feature-list-item>

<feature-list-item>
<template v-slot:title="">

Prefilled

</template>

<template v-slot:description="">

Anything they entered while pre-qualifying carries over.

</template>
</feature-list-item>
</feature-list>

<template v-slot:callout="">

Credit application

</template>

<template v-slot:title="">

A full application, made for phones

</template>

<template v-slot:content="">

When shoppers are ready, a secure, step-by-step credit application picks up what they already entered, so they never type the same thing twice.

</template>
</feature-left>

<feature image="/img/features/virtual-retailing/credit-lender-decisions.svg">
<feature-list>
<feature-list-item>
<template v-slot:title="">

Multiple Lenders

</template>

<template v-slot:description="">

Send one application to the lenders you work with.

</template>
</feature-list-item>

<feature-list-item>
<template v-slot:title="">

Approvals and Counters

</template>

<template v-slot:description="">

Approved terms, counters and pending decisions in one list.

</template>
</feature-list-item>

<feature-list-item>
<template v-slot:title="">

On the Deal

</template>

<template v-slot:description="">

The decision your shopper chooses becomes the deal's financing.

</template>
</feature-list-item>
</feature-list>

<template v-slot:callout="">

Lender decisions

</template>

<template v-slot:title="">

Decisions while they're still shopping

</template>

<template v-slot:content="">

Applications go to your lenders and decisions come back to the deal, so shoppers see an approval, and your finance team sees every option, before anyone picks up the phone.

</template>
</feature>

## Sitemap

See the full [sitemap](https://dealerme.com/sitemap.md) for all pages.