Understand preapproval approval and funding

A pre-approved offer is an early stage in financing. It does not mean the loan has received final approval, funded, or paid the merchant.

1. The applicant submits the initial CSP application, which uses a soft credit pull.

2. Pre-approved offers are typically presented within seconds after that initial application.

3. The applicant selects an offer and proceeds through the lender’s approval process.

4. If the loan is approved and funded, proceeds go to the borrower.

5. The borrower pays the merchant directly.

Most loans fund within 1–3 days. This is typical timing, not a guarantee, and it is separate from the merchant collecting payment.

Approval, rates, terms, amounts and funding are not guaranteed. If you need help with a missing offer, a decline or an individual application, contact info@flexxbuy.com. The chat assistant cannot inspect your private application or determine a lender’s reason for a decision.