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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.
Thereâs no guarantee youâll receive the terms of the original offer, and you could be rejected entirely. 2. A pre-approved credit card offer will not impact your credit score. The initial screening that lenders use to select pre-approved individuals does not impact your credit score. In fact, your credit score will not be impacted until you decide to apply for the card.