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New Contributor
Posts: 67
Registered: ‎09-16-2010
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Capital One Auto Navigator Pre approval

I applied for a car through the cap one auto navigator tool and was approved for a $35,000.  The APR range was 4.67 - 13.72.  No idea who they pulled for scores.  but my scores are: EQ : 598; TU: 611; EX: 613. I  really would love to lease instead because I want to have the option to change cars every 3 years.   Should I want to get better scores for leasing.  Thanks for the help

Starting Score: EQ 430, TU 467, EX 465
Current Score: EQ 617, TU 618, EX 611
Goal Score: EQ 700, TU 700, EX 700


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Member
Posts: 22
Registered: ‎03-14-2017
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Re: Capital One Auto Navigator Pre approval

The cap one auto navigator is a pre approval is a soft pull and capital one checks all reports in my experience. They don't do the hard pull until you're at the dealership, but when they do it will show up on all reports. .
Starting FICO8 Score 2/2017: 580
Current FICO8 Score 4/2017: 653
Goal FICO8 Score: 725


Frequent Contributor
Posts: 286
Registered: ‎09-15-2016
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Re: Capital One Auto Navigator Pre approval

If you are not in desparate need of a new car, I would wait for your scores to improve.  That's a 9% spread they gave you - payments would be anywhere from $500-700 per month - assuming 72 month loan at $35k ish.

,
FICO08 4/5/17 EQ-767, TU-759, EX-745
2/4/17-Restarting the Garden restart Smiley Tongue
New Contributor
Posts: 67
Registered: ‎09-16-2010
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Re: Capital One Auto Navigator Pre approval

If I wait for my scores to get better will the 9% spread lessen to a smaller range.
Starting Score: EQ 430, TU 467, EX 465
Current Score: EQ 617, TU 618, EX 611
Goal Score: EQ 700, TU 700, EX 700


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Valued Contributor
Posts: 1,377
Registered: ‎12-16-2014
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Re: Capital One Auto Navigator Pre approval

I suggest waiting till your scores improve to about 620ish.  I would then apply with a credit union, Capital One is great but good credit unions can cosistantly beat them on rates.  DCU, Penfed and NFCU are all excellent.  Capone gave me 8.5% when my scores were low 600's less than a week later NFCU gave me 4.29%.

NFCU Go Rewards 18k, NFCU Go Rewards AU 22k, NFCU CLOC 15k, NFCU N Rewards 2k, Amex ED preferred 12k, Amex BC 1k, USAA CL 2k, Hawaiian Air Barclay 1.2k, Venture One 10.1k, Target 3.5k, Citi Costco 2k, Citi AAdvantage 7k, NFCU Platinum AR $2.4K, Penfed Platinum Rewards $5.5k. PayPal 2.2K

Gardening till 2018, Goal of 700's by the end of 2017
MyFico Scores April 2017: EQ 667 TU 696 EXP 690
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Posts: 2
Registered: ‎03-22-2017
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Re: Capital One Auto Navigator Pre approval

2005 chevrolet  sierra

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