Capital One Auto Finance

[Skye12329]

So DH and I constantly get mailers from Cap1 Auto Finance saying we are both pre-approved for 35k. It never says the APR though, so i have some questions since this would be our first auto loan, i have never done this before.

1. Can i pay the bill online or enroll in automatic checking payments?

2. Is Cap1 a reliable lender for auto loans?

3. Whats needed for the loan? We are currently looking at cards Under 12k.

4. Does anyone know the highest APR? 

5. If we both apply (he would be primary, i co-signor) could we get a lower rate if either of our credit was better? Like does it matter who is primary and co-signor?

6. If the APR is too high (because i think you need to apply at the dealership listed when you mention your pre-approval) can we decline the loan then? Like i don't wanna get a loan if we get a 25% APR that would be ridiculous. 

[Anonymous]

You can take the mailer online and check the specifics. When we were approved online it was from 6.95-10.95%

[Skye12329]

I did check the mailer and tried entering the code but it doesn't tell us any APR. Just gives the lowest APR but that's obviously if we qualify for the lowest.