Pre-Approvals

Reach borrowers before the competition does

Most lending strategies begin after borrowers start shopping. Pre-Approvals creates a digital point-of-sale experience that connects marketing and lending — helping you influence borrowing decisions before the application begins.

Borrower reviewing a pre-approved offer
The problem

Borrowers are being won before they ever apply.

48%

of borrowers look outside their primary financial institution

29%

go with another institution because of a direct, targeted marketing offer

Source: The Financial Brand

Solution Overview

Influence the lending decision before the application begins

By the time someone starts comparing rates or filling out applications, your institution may already be competing for the loan. Pre-Approvals shifts lending earlier by helping you create demand within your existing account holder base.

swaystack
Soft pull · eligibility
Qualified borrowers
Credit score720+
Debt-to-income< 36%
No auto loan on file✓ match
Qualified in your base
3,1204,860
Soft pull · no score impact
01

Identify qualified borrowers

Use credit bureau soft pulls to identify borrowers who meet your lending criteria — without impacting their credit score or waiting for them to apply.

02

Generate personalized offers

Create pre-approved and pre-qualified offers with personalized rates, loan amounts, and estimated monthly payments — automatically tailored to each borrower.

swaystack
Offer preview
Auto loan
$42,000
5.49% APR · $612/mo
Pre-approved
Personal Loan
$75,000
7.25% APR · variable
Pre-qualified
Rates personalized to Marcus Reed
swaystack
Launch across channels
Digital banking
Embedded offer card
Email
Personalized rate offer
SMS
Tap-to-view offer link
03

Deliver across every channel

Reach borrowers through digital banking, email, and SMS with timely, personalized offers — meeting them wherever they already engage with your institution.

04

Create a point-of-sale experience

Guide borrowers through landing pages, calculators, and application pathways to increase conversion — a true digital point-of-sale that turns interest into applications.

$25,000
Pre-approved borrower
Pre-approved
You're pre-approved up to $25,000
Loan Amount
$ 8,000 12,000 18,000
$1,000$25,000
swaystack
From offer to funded application

Point of sale in Swaystack · decisioning in your LOS

In Swaystack · point of sale
Offer accepted
Income & employment
Terms accepted
In your LOS
Hard credit decision
E-sign
Core account creation
Application created in your LOS
Borrower data passed securely · nothing entered twice
05

Route directly into your LOS

Borrowers who accept a pre-approval complete a point-of-sale step in Swaystack — confirming current income and employment and accepting your terms. Swaystack then creates the application in your LOS for hard credit decisioning, e-sign, and core account creation.

200
loan applications
from a single campaign

The results exceeded our expectations. We booked 200 loan applications through a single campaign, with most coming directly through digital banking — and an ROI that justified the investment almost immediately.

Laszlo Tallai
SVP, Growth & Innovation
Why Swaystack

Stop waiting for borrowers to raise their hand

Reactive lending
Wait for borrowers to apply
Compete on rate at the end
Generic, untargeted offers
Marketing & lending disconnected
Drop-off between offer and application
Pre-Approvals
Reach borrowers first
Influence before they shop
Personalized, pre-approved offers
Marketing & lending united at the POS
Seamless offer-to-application routing

Win the borrower before the application begins.

Every borrower represents an opportunity to grow your lending portfolio. Pre-Approvals helps banks and credit unions identify qualified borrowers early, deliver personalized offers, and guide them seamlessly from offer to application.