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What does it mean to be 'pre approved' for a loan. Pre approved means that the lender (it could be your bank or credit card company or any other company that you had an account with) already have your details, and provided those details are correct, they will lend you a certain amount.
Getting pre-approved for a home loan might affect your credit score, depending on the information used by the lender for the pre-approval. Some mortgage companies provide offers based solely on information you give, such as bank records and pay stubs.This does not affect your credit score.redit Card Pre-Approval. A credit card pre-approval does not affect your credit score unless you accept the offer and open an account. Credit card companies purchase information from credit bureaus to pre-screen consumers for certain offers.