Wanted to share... post BK auto financing

[Scupra]

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@Anonymous wrote:

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@Anonymous wrote:

This Cap One Auto pre-qualifier interests me - however the page I found is asking me for a Personal Code, and won't let me in without one.  Does that mean you have to already have been offered an auto loan through them, or am I on the wrong site?

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If you have a CO card, you will likely get them in the mail.  About every month!

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Unless your reports are frozen Then you get nothing and no pre-quals hahaha

[Anonymous]

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@Scupra wrote:

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@Anonymous wrote:

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@Anonymous wrote:

This Cap One Auto pre-qualifier interests me - however the page I found is asking me for a Personal Code, and won't let me in without one.  Does that mean you have to already have been offered an auto loan through them, or am I on the wrong site?

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If you have a CO card, you will likely get them in the mail.  About every month!

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Unless your reports are frozen Then you get nothing and no pre-quals hahaha

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no, nothing frozen here, and I've explicitly Opted-In.  I figure I have a rough gauge of my success by the quality of the offers that roll in

[Anonymous]

Bk discharge 4/19/16. Capital one gave me the same standard 3 - 10%. Generic. When the dealer submitted to them it was at almost 11.
Chase came in at 6 as did my local credit union, took chase and refinanced with penfed month later @ 4.8. Luv penfed!

[Anonymous]

We have not applied with our local cu... Only navy who gave us a whopping 13.39% for a used car max of 15k. My husband and I both have good history with our local cu and we have paid off a couple loans and have an active cc with them currently. So idk... I think a small part of me is a little scared! 😳

[Shooting-For-800]

I got denied at local CU after submitting tons of paperwork.  DENIED with ANY amount down.

I just got a car loan from Cap One with no paperwork and no money down required at 2.49% for 72 months !!!

Could not have been easier and better rate than the CU best rate with an 850 credit score.

Thanks Cap One!

[Scupra]

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@Shooting-For-800 wrote:

I got denied at local CU after submitting tons of paperwork.  DENIED with ANY amount down.

I just got a car loan from Cap One with no paperwork and no money down required at 2.49% for 72 months !!!

Could not have been easier and better rate than the CU best rate with an 850 credit score.

Thanks Cap One!

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Everything happens for a reason Congrats on the grate rate

[Cheryla18]

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@Anonymous wrote:
Bk discharge 4/19/16. Capital one gave me the same standard 3 - 10%. Generic. When the dealer submitted to them it was at almost 11.
@Anonymous came in at 6 as did my local credit union, took chase and refinanced with penfed month later @ 4.8. Luv penfed!

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How do you become associated with them?

Cheryl

[Scupra]

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@Cheryla18 wrote:

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@Anonymous wrote:
Bk discharge 4/19/16. Capital one gave me the same standard 3 - 10%. Generic. When the dealer submitted to them it was at almost 11.
@Anonymous came in at 6 as did my local credit union, took chase and refinanced with penfed month later @ 4.8. Luv penfed!

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How do you become associated with them?

Cheryl

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Just need to go to their site and sign up for an account. There is an option to pay $14 or $15 to become a member of a group that makes you eligible for PenFed

[Anonymous]

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@Scupra wrote:

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@Cheryla18 wrote:

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@Anonymous wrote:
Bk discharge 4/19/16. Capital one gave me the same standard 3 - 10%. Generic. When the dealer submitted to them it was at almost 11.
@Anonymous came in at 6 as did my local credit union, took chase and refinanced with penfed month later @ 4.8. Luv penfed!

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How do you become associated with them?

Cheryl

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Just need to go to their site and sign up for an account. There is an option to pay $14 or $15 to become a member of a group that makes you eligible for PenFed

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Alternatively, you can pay $25 and become a member of an organization that makes you eligible for both Penfed and NFCU - instructions are here available here:

 /How-to-join-NCFU-and-rebuild-as-a-civilian

Good Luck!

[Scupra]

Boom! Kill two birds with one stone. Thanks Tyger