do they pull just your score right away. If it is high enough they will approve? If it's too low you get the 30 day message? I mean when you do a app online they can't really look at you credit report that fast. I know it is automatic.
Some do some don't. If they advertise 60 second approval they do BUT a 30 day message doesn't mean decline, they usually don't have a problem with that right off the bat either. They don't look at your reports per se, they cmpare your scores to their cutoff and if you're boderline you will get the 30 day message or if anything else shows up llike too many inquiries. Its usually then that they actually eyeball your reports.