Configuring user interface functionality based on background processing of data related to pre-qualification status

A device, comprising:

• one or more memories;
• and
• one or more processors, communicatively coupled to the one or more memories, configured to:
• automatically obtain credit history information associated with a user from a database,
• wherein the credit history information includes a credit score associated with the user and values for one or more impact factors affecting the credit score;
• determine, based on the credit history information associated with the user, that the user is pre-qualified for one or more loans satisfying a threshold amount and a threshold monthly payment;
• receive information associated with a plurality of products,
• the information associated with the plurality of products being received based on the user browsing a shopping platform associated with the plurality of products;
• identify a first set of financing options, associated with a first set of products, of the plurality of products, that satisfy the threshold amount and the threshold monthly payment;
• identify a second set of products, of the plurality of products, for which the user is not prequalified for one or more loans to purchase the second set of products;
• and
• populate a user interface with one or more user interface elements that, upon actuation, enable one or more first actions related to obtaining the first set of financing options associated with the first set of products.

A method, comprising:

• automatically obtaining, by a device, credit history information associated with a user from a database,
• wherein the credit history information includes a credit score associated with the user and values for one or more impact factors affecting the credit score;
• determining, by the device and based on the credit history information associated with the user, that the user is pre-qualified for one or more loans satisfying a threshold amount and a threshold monthly payment;
• populating, by the device, a first user interface with one or more first user interface elements to enable a pre-qualification action based on determining that the user is pre-qualified;
• receiving, by the device, information associated with a plurality of products,
• the information associated with the plurality of products being received based on the user browsing a shopping platform associated with the plurality of products;
• identifying, by the device, a first set of financing options, associated with a first set of products, of the plurality of products, that satisfy the threshold amount and the threshold monthly payment;
• identifying, by the device, a second set of financing a second set of products, of the plurality of products, for which the user is not prequalified for one or more loans to purchase the second set of products;
• and
• populating, by the device, a second user interface with one or more second user interface elements that only enable one or more first actions related to the first set of financing options associated with the first set of products,
• wherein actuation of the one or more second user interface elements enable the one or more first actions to be performed,
• wherein the one or more first actions include:
• a first action, of the one or more first actions, to apply for the first set of financing options, or
• a second action, of the one or more first actions, to search inventory associated with the shopping platform for one or more additional products that the user is pre-qualified to finance.

A non-transitory computer-readable medium storing instructions, the instructions comprising:

• one or more instructions that, when executed by one or more processors, cause the one or more processors to:
• automatically obtain credit history information associated with a user from a database,
• wherein the credit history information includes a credit score associated with the user and values for one or more impact factors affecting the credit score;
• determine, based on the credit history information associated with the user, that the user is pre-qualified for one or more loans satisfying a threshold amount and a threshold monthly payment;
• receive information associated with a plurality of products,
• the information associated with the plurality of products being received based on the user browsing a shopping platform associated with the plurality of products;
• identify a first set of financing options, associated with a first set of products, of the plurality of products, that satisfy the threshold amount and the threshold monthly payment;
• identify a second set of products, of the plurality of products, for which the user is not prequalified for one or more loans to purchase the second set of products;
• and
• populate a user interface, associated with the shopping platform, with one or more user interface elements that, upon actuation, only enable one or more first actions related to the first set of financing options.