Know the company
Match the legal name on the consent with the lender or authorized recipient.
AMERICAN LOAN & REFINANCE · NEW JERSEY
Know the credit inquiry before you apply
Compare what happens during a rate inquiry, an application and account servicing. Ask the actual lender which review occurs.
YOUR DECISION
A clear next step
Compare what happens during a rate inquiry, an application and account servicing. Ask the actual lender which review occurs.
- ALR’s role
- Preparation & contactPartner referral is the intended service model; this website does not submit a loan application.
- Service focus
- New JerseyA product category is not confirmation of an individual partner offer.
THE DETAILS THAT CHANGE YOUR DECISION
Separate the checks
| Stage | Question to ask | What this website does |
|---|---|---|
| Rate enquiry / prequalification | Will this use a soft or hard inquiry? | No bureau inquiry from the local tools |
| Loan application | When is a hard inquiry requested and authorized? | No loan application submitted |
| Existing account | Which party is reviewing or reporting the account? | No access to lender accounts |
WORK WITH YOUR OWN TERMS
Work with your own figures
Replace the sample with the terms you are considering.
THE DETAILS THAT CHANGE YOUR DECISION
Before authorizing a review
Read the permission
A marketing choice, a credit inquiry and an electronic agreement serve different purposes.
Review the result
Only that lender can determine approval and terms. A budget surplus or checklist completion is not prequalification.