> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ekho.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Pre-qualification

> A soft-pull rate estimate inside the conversation, with no credit impact.

The buyer gets a real financing picture without leaving the chat and without touching their credit score.

<Frame caption="Once pre-qualified, the agent shows what the buyer can actually afford.">
  <img src="https://mintcdn.com/ekho-mtje7p526we/xBDmSkmU0JPkqQLm/images/product/sales-agent/skill-pre-qualification.png?fit=max&auto=format&n=xBDmSkmU0JPkqQLm&q=85&s=1c1133ce37103fd9c7b42d14685a8d6f" alt="A chat conversation showing a pre-qualified buyer with three matching vehicles and monthly payments" width="1098" height="1252" data-path="images/product/sales-agent/skill-pre-qualification.png" />
</Frame>

## How it runs per channel

**Website chat** — the flow opens inside the chat window.

**Text message** — the agent sends the link straight in the message body, for example *"Get pre-qualified: [https://your-dealership.example.com/](https://your-dealership.example.com/)..."*. No "reply YES" step. It is your own branded checkout URL.

<Warning>
  On text, if no checkout URL is configured for your dealership, the agent invites the buyer to contact you rather than sending a broken link. Make sure your checkout URL is set.
</Warning>

## What the agent does with the result

The agent adapts and, importantly, never uses discouraging language.

**Approved** — it congratulates the buyer and points at the most useful next step, based on what your dealership has enabled:

* Online checkout enabled → encourages completing the purchase online
* Appointment booking enabled → suggests booking time with a rep
* Neither → tells them a team member will help them move forward

**More information needed** — the tone stays positive. The agent **never says "denied" or "rejected."** If booking is enabled it suggests time with a financing specialist; otherwise it explains a team member can walk through options.

<Note>
  No configuration needed. The agent works out the right next step from the capabilities your dealership has turned on.
</Note>

## The lead arrives with context

When a buyer submits pre-qualification from website chat, **the vehicle they were last shown is attached to the lead as the vehicle of interest**. Pre-qual leads from the agent land in your Admin Portal with the right vehicle already populated, so nobody has to reconstruct what the buyer was looking at.