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I was thinking of refinancing my auto loan with Capital One and wanted to know if anyone had any experience with them?? (Good or Bad).
Thank You
My brother and his wife used CapOne to buy a pickup a couple months ago.....seemed to go okay. However, they purchased pre-owned 2006 and rate was 7.75.
PenFed offered to refi for 3.99 so you may want to look at a CU for better rates. Alliant offered me a 4.69 and PenFed 3.99.
I think CapOne is offering "as low as 4.79" for new, but used will be higher. And I don't know how often they actually grant the "as low as" rate.
From a loan qualification, speed and convenience, CapOne seems pretty easy to work with.
@Anonymous wrote:Is it just me or does capital one seem to like loaning to those with lower credit scores? (but at higher rates) Maybe they're trying to tap a market other companies don't want to touch.
Your observation is correct. Capital One Auto is in the subprime auto business not so great but not so bad credit . Thats where the money is.
I am having problems with Capital one this is the first time I have received bad customer service from them
I have been a past customer of theirs before with no problems and the loan was paid off in full till now.
I recently submitted a request for a loan in which I have a fico score of 700 and above rating.
I was given some lame excuse or reason why they could not give me a loan was that I have a mortgage and the other reason
was the time I have had my mortgage but when I sent them a letter for an explanation I got the run around and they informed
me that there was no real reason behind not giving me a loan not sure why since mostly everyone has a mortgage and I have had this mortgage for about 5 years now in good standing and I have a copy of my credit report and nothing shows up to give anyone a reason not to give the loan.
It must be I have a perfect credit rating with no late payments that I cannot get the loan go figure.
but at least there should be some one to respond to I have tried several times through email and regular mail and a phone call
to the customer support line and still having problems to get to talk to a live person on the line. Why are they turning away perfect loyal customers for a loan I really don't get it ??
@Anonymous wrote:I am having problems with Capital one this is the first time I have received bad customer service from them
I have been a past customer of theirs before with no problems and the loan was paid off in full till now.
I recently submitted a request for a loan in which I have a fico score of 700 and above rating.
I was given some lame excuse or reason why they could not give me a loan was that I have a mortgage and the other reason
was the time I have had my mortgage but when I sent them a letter for an explanation I got the run around and they informed
me that there was no real reason behind not giving me a loan not sure why since mostly everyone has a mortgage and I have had this mortgage for about 5 years now in good standing and I have a copy of my credit report and nothing shows up to give anyone a reason not to give the loan.
It must be I have a perfect credit rating with no late payments that I cannot get the loan go figure.
but at least there should be some one to respond to I have tried several times through email and regular mail and a phone call
to the customer support line and still having problems to get to talk to a live person on the line. Why are they turning away perfect loyal customers for a loan I really don't get it ??
you should try another lender.