60-second pre-qual · soft pull
Bad credit? No credit? I've got you.
60-second pre-qual. No hard pull. I work with 10+ lenders — somebody approves you, almost always within 24 hours.
- ✓ No impact to credit score
- ✓ ITIN accepted
- ✓ Same-week delivery
How this works
- 1
Pre-qual in 60 seconds.
Name, phone, monthly take-home, time at job. That's it. No SSN. No hard pull.
- 2
I match you to a lender.
Within 4 hours, usually less. I'll text you the term + rate I think will get approved.
- 3
Same-week delivery.
Sign at the lot, drive home. We handle the title, tag, and registration.
Pre-Qualify in 60 seconds
One step. Four fields. No SSN, no hard pull.
Real questions, real answers
- Will this hurt my credit score?
- No. Pre-qual is a soft pull. Only the actual lender app does a hard pull, and that's only after we've matched you and you've said yes.
- What if my credit is really bad?
- Doesn't matter as much as you think. I have lenders who approve scores in the 500s. The biggest factor is steady income — show you can pay, you get approved.
- Do I need a co-signer?
- Not always. ITIN borrowers and 600+ scores often go solo. Co-signers help if your score is sub-550 or you're new to the country.
What happens after you submit
Within 4 hours (usually less), I text you with the lender I matched you with, an estimated monthly payment + down-payment range, and 2-3 cars on the lot that fit your approved budget. If you like what you see, you come by — sign and drive same week. If not, no pressure, no spam, no follow-up unless you want it.