System, method and apparatus for personalization of prequalification for financing programs

Abstract

A method for providing personalized prequalification of a customer includes receiving identification information of the user associated with user activity on a website of a merchant or lender, conducting a financing program prequalification determination for the user based on the identification information and a set of prequalification criteria without any request from the user for financing. An indication that the user is not prequalified based on the financing program prequalification determination is received and a prequalification engagement notification 510 is generated at a display of a user device. Responsive to selection of the prequalification engagement notification, one or more guidance instructions are generated at the display of the user device for the user to provide prequalification requirement data for a subsequent performance of the financing program prequalification determination.

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