Pre-qualification invitation
You're invited to see where you stand for auto financing at a participating dealership — whatever your credit looks like today. It takes about a minute.
It's the 9-digit number on your letter.
How it works
Step 1 · 25%
The 9-digit Invitation Code on your letter tells us which participating dealership is holding your invitation.
Step 2 · 50%
We show your name and part of your address — nothing more. No Social Security number, no date of birth.
Step 3 · 75%
A few optional taps: how you'd rate your credit, approximate income, down payment, timing and any trade-in.
Step 4 · 100%
Your CAP Pre-Qualification Certificate and confirmation number — and a specialist texts you to get things moving.
What you get
A clean summary you can bring to the dealership — so the specialist knows who you are and what you're looking for before you walk in.
CAP Pre-Qualification Certificate
Credit Alliance Program
No.
CAP-••••••
Issued to
Your name
Pre-qualified range*
$••,••• – $••,•••
*Pre-qualified estimate based on your invitation. Not a guarantee of credit or a loan offer — final amount, rate and terms are subject to lender approval at the dealership.
Every credit picture
CAP invitations go to shoppers across the credit spectrum. Participating dealerships work with a range of lenders, so you can see your options whether your credit is excellent or you're starting fresh. Approval is always up to the lender — but knowing where you stand is free and takes about a minute.
Credit profiles invited
Be ready
Having these with you lets the specialist finish your paperwork in one visit. Missing something? Bring what you have — they'll tell you what else they need.
Driver's license
Valid and unexpired.
Proof of income
Recent pay stubs, or bank statements if you're self-employed.
Proof of residence
A recent utility bill or bank statement with your address.
Your down payment
If you plan to put money down.
Trade-in information
Title or payoff details, registration and keys.
Questions
No. Entering your Invitation Code and answering the profile questions doesn't pull your credit. If you decide to move forward, the dealership will explain any credit check before it happens and ask for your permission first.
Not here. This site never asks for your SSN, date of birth or license number. Anything like that is handled in person at the dealership, only if you choose to apply.
It's the 9-digit number in the green box on the form at the bottom of your letter. Enter it with or without the dashes.
No. A pre-qualified range is an estimate based on your invitation. Your final amount, rate and terms are set by the dealership's lenders after they review your full application and verify your information.
Yes — CAP invitations go to shoppers across the credit spectrum, and participating dealerships work with a range of lenders. We can't promise approval, but a past setback doesn't rule you out from seeing your options.
A specialist at the participating dealership named on your invitation will text the mobile number you give us, typically within one business day. Reply STOP at any time to opt out.
No. There's no charge to check your invitation or to talk with the dealership's specialist, and you're never obligated to buy.
No. CAP is a program that connects you with a participating local dealership. Financing comes from third-party lenders through the dealership.
Invitations are valid for a limited time — check the date on your mailer. Enter your Invitation Code and a specialist will text you.
Enter my Invitation Code