They approved me with a score in the low 600s, only had one credit card that was a couple months old. I had a lot of recent 30 day lates too on my last auto loan.

Capital one is one of the easier banks to give out an auto loan. When we had our bankruptcy discharged in 2009, 6 months later they approved us for a 20,000 dollar used car loan but the interest rate was 10.85%. 7 months later we refinanced with our local credit union for 2.9%. So it would not hurt to try it just depending on your credit score its going to determine your interest rate.

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jllunas wrote:

Capital one is one of the easier banks to give out an auto loan. When we had our bankruptcy discharged in 2009, 6 months later they approved us for a 20,000 dollar used car loan but the interest rate was 10.85%. 7 months later we refinanced with our local credit union for 2.9%. So it would not hurt to try it just depending on your credit score its going to determine your interest rate.

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I wouldn't say they were easy to get approved for. I had a credit card with them for two years and when I app'd for a auto loan with them, they denied it on top of three credit pulls. My FICO at the time was around 720 but my auto enhanced score was 640 I think...

I've never had any late payments. My only problem was that I had never had a car loan before. Lol.

Wow that's strange, my wife and I both were approved through them with no problems .

Capital One Auto is nowhere close to the easiest of lenders to obtain an auto loan with, actually their approvals seem to be all over the map.  It might be the first-time buyer issue as MountainHiker suggests, I never tracked it that closely, but there are some folks that reported being denied here that just left me scratching my head.

I know I won't ever try for an auto loan through them again regardless of what my credit situation cleans up to be, I just don't know where I stand with them as a lender and have no interest in finding out the hard way but admittedly I'm a little particular in that regard and auto loans when applied for together, only count as one from the FICO side of things... wouldn't cost me anything to find out whenever I next shop for a car loan, but bleh.  

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Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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Well when my wife applied they approved her right away, when I applied I did not get approved right away, Then they called me about 15 minutes later to verify my identity and they approved me for a 3% interest loan on a 2012. Hmm. I was a year in a half out of bankruptcy, i wonder if thats why the approved me.It's been easy for me.