Keep in mind that if you go with Capital One, you are not free to shop wherever you want, you have to go to one of the dealers in their network. I researched this a couple of months ago, and I did not like any of the dealerships that worked with Capital One, prices were high in my opinion. I would also stay away from Carmax as their prices are extremely high in my opinion. I am not sure if DCU and Silver State make you stay in a network or not.
If you are worried about income verification, you probably would be best to go directly to a dealer. What is seldom mentioned on here is that when you go the dealer financing route, you are free to shop at any dealer you want, meaning that you will save money on the actual vehicle even if you get a higher interest rate. Example, go to Capital One and get 3% rate, but you cannot find the vehicle that you want on any of the lots in Capital One's network for less than 25k. You may get a 5% rate from a random dealer of your choice, but may find the vehicle that you want for 17k. There is no doubt that some people will disregard my argument, but I really like the freedom to buy from who I want to. The more choices that you have the better.
