Approval Odds?

[Anonymous]

Frantic, that's a good suggestion, too.

I do plan to apply online to a CU and Cap1, so I should have a better idea what I'm in for when I visit a dealer. I guess it's just the anticipation and anxiety that's killing me.

[Anonymous]

---

@Anonymous wrote:

Try the pre qualify for capital one. After you get that you will know roughly what your getting and with that walking into dealership they will try to beat the APR you got from capital one

---

This was a fantastic idea! Understanding it's a soft-pull only; I need to lower my utilization; and I'm waiting on a baddy to fall off....

Cap1 says up to 35K, APR varies from 6.95% to 13.94%. Playing with the estimator tool, it looks more realistic to see it around 8.18 to 9.77 for the particular make, model, and mileage range I'm eyeing. Naturally, that will vary, I'm sure.

A most excellent suggestion that I thank you for immensely!

[Anonymous]

I'd try look elsewhere besides Cap1. You can do better than their rates. 

[Anonymous]

Fever, of course. I'll definitely be shopping around. I'm just happy that the rates aren't too horrible, even with it just being a pre-qual at Cap1.