When you see a pre-approved offer, the lender has determined that you meet certain approval criteria based on a soft pull of your credit profile that Fortuna Credit has performed. Through matching you with pre-approved loan offers, Fortuna Credit identifies loans that you will more plausibly get approved for if you were to complete a loan application with that loan provider. Pre-approved offers are conditional commitments for an exact rate from a lender, and let you know if you qualify for that loan. The rates are subject to change but are very rarely different than the rate you’ll see. This enables Fortuna Credit to match you with the loan offers that best meet your needs, all while only doing a soft inquiry on your credit score.