Common questions

About 3 minutes. The form has three steps: About You, Verify Profile (credit + bank), and Review & Submit. We save your progress automatically.

• Your full name, date of birth, and Social Security Number (for the soft credit pull).
• Your current address and how long you have lived there.
• Employment status and monthly income.
• Employment and income details (paystubs or W-2 may be requested after you lock an offer).

No. We perform a soft credit inquiry to match you with lenders. Soft inquiries do not affect your credit score and are not visible to other creditors who pull your report later.

Your application is shared with lenders in our network who match your profile. You will see your first offers in your dashboard, typically within 4 to 24 hours. We email and text you the moment offers arrive.

Auto Loan Pro performs the initial soft pull through Equifax. Lenders may perform a hard inquiry only after you accept and lock an offer — never before.

You will be asked to upload a government-issued ID and recent paystubs (or W-2). Your lender reviews these before issuing your final approval letter.

We share your application (with your consent) only with lenders whose underwriting criteria match your credit profile, income, vehicle preferences, and location. Lenders compete for your business.

Most lender offers remain valid for 7 days from the time they are issued. After 7 days, the lender may require updated information or re-pricing.

Locking reserves the offer with that specific lender. You will have 7 days to upload remaining documents (ID, proof of income, insurance, etc.). The lender then verifies your documents, completes final underwriting, and issues your approval letter.

Yes. As long as your approval letter has not been issued, you can withdraw and lock a different offer from your dashboard. Contact ALP Support before withdrawing — there may be alternatives.

The approval letter is the document that gives you leverage at the dealership. It states the maximum amount you are pre-approved to borrow, your APR, term, monthly payment, vehicle restrictions, and the lender. You walk into the dealer already pre-funded — they cannot change your APR or terms.

Approval letters are valid for 30 days from the date of issue. If you need more time, contact ALP Support before it expires and we can request an extension from your lender.

Each approval letter includes specific vehicle restrictions — typically: maximum age (default 8 years), maximum mileage (default 80,000 miles), allowed types (new and used), and excluded titles (no salvage, rebuilt, or flood titles). Check your specific letter for the exact terms.

Walk away. Your approval letter is a binding pre-approval with your lender. Some dealers earn commission by routing you to their preferred lender — that conflict of interest is not in your favor. Your APR and terms are locked.

• Your approval letter (PDF — save it to your phone or print it).
• A valid government-issued photo ID.
• Proof of full-coverage auto insurance (most lenders require this at purchase).
• Any other items the dealer or lender specifies in your stipulations.

No. We only share your application with the lenders you match with. We never sell your data to advertisers or third parties.

All data is transmitted over TLS-encrypted connections. Sensitive fields (SSN, bank tokens) are encrypted at rest. Our infrastructure is hosted on SOC 2-compliant cloud providers.

You can request account deletion from your dashboard settings. Note that information you submitted to lenders may be retained by them per their own retention policies (typically 5-7 years for regulatory compliance).

You will receive an adverse action notice explaining the specific reasons. The notice also explains your rights under the FCRA, including a free credit report within 60 days. You can reapply after 30 days.

• Pay down credit card balances — utilization is one of the biggest factors in your score.
• Avoid new credit applications for at least 6 months.
• Make sure your credit report is accurate. Dispute any errors with the reporting agency.
• Provide proof of consistent income through uploaded paystubs or a W-2.