Most People Only Think About Getting a New Vehicle. You Actually Made a Move.
By exploring a pre-qualification, you’ve already taken a step that many car shoppers delay. And the best part? The process used a soft credit pull — your score wasn’t touched. Not one point.
The companies named below are examples of platforms that commonly perform soft credit inquiries. Their mention here is for illustrative purposes only and does not imply any partnership, endorsement, or affiliation with World Kia Joliet. Your specific inquiry may or may not have originated from one of these platforms.
01
You Explored a Pre-Qualification
You may have applied through an online lending or vehicle marketplace platform — such as Capital One Auto Navigator, Carvana, or a similar service — to explore vehicle financing options. These platforms commonly use soft credit inquiries as part of the pre-qualification process.
02
A Soft Pull Was Performed
That platform checked your credit using a soft inquiry — this is informational only and does not affect your credit score in any way. Soft inquiries are permitted under the Fair Credit Reporting Act for pre-screening purposes.
03
We Reached Out to Help
Based on your expressed interest in vehicle financing, we received your information through compliant channels and contacted you because we believe we can offer competitive options — regardless of the outcome of any prior application.
Know The Difference
How This Connection Was Made
Soft Pull
Does NOT affect your credit score
Used for pre-qualifications and informational checks
Only visible to you on your credit report
This is how we found you
Hard Pull
Can temporarily lower your credit score
Used when you finalize a loan or credit application
Visible to other lenders on your report
This is NOT what happened here
Your credit was NOT affected by how we found you.
We’ve heard it before
Common Questions — Real Answers
Whatever’s on your mind, chances are we’ve already helped someone in the same situation. Here’s how we can help you.
Didn’t Get Approved?
Every lender scores differently. A denial from one doesn’t close the door — we work with a wide network of financing partners who each use their own criteria. A different outcome may be possible.
Want a Better Rate?
Already pre-approved somewhere? That’s a great starting point. Let us shop your deal across our lending partners — we may be able to match or beat that offer.
Looking for the Right Vehicle?
We have access to thousands of used and new vehicles across all makes and models. Tell us what you’re looking for and we’ll match you with options that fit your budget — we’re not limited to what’s on our lot.
Worried About Your Credit?
We work with lenders who specialize in every credit situation — from first-time buyers building a history, to those working on rebuilding. There may be more options than you think.
Don’t Want to Be Pressured?
No obligation, no pressure. We present options and answer questions — you decide if and when you’re ready, on your terms.
Think You Need a Huge Down Payment?
Many of our financing partners offer flexible down payment options. Let’s explore what works for your budget before you assume it’s out of reach.
All Makes. All Models. Used & New.
We’re a vehicle-finding service — if it’s out there, we can help you get it.
Your Privacy & Our Compliance
We take your privacy seriously and comply with all applicable consumer protection laws, including the Fair Credit Reporting Act (FCRA) and the Driver’s Privacy Protection Act (DPPA). We do not sell your data, and you can opt out at any time.
