You can check Capital One Auto Navigator to gauge your approval odds. They do a soft pull to give you a pre-approval and then when you actually buy a car, they hard pull all 3 bureaus. I was looking to buy a car last month, but I had no idea what my rates would look like. I figured I would check Cap One and then shop around for rates later at a credit union. I ended up using Cap One because they approved me for the max amount ($40k) and 3.24%.
I have 3 Cap One cards and I think that has something to do with the deal I got. I started with secured card at Cap One, got an unsecured ($500 limit) card a year later, and then a Quicksilver ($6,000 starting limit) a year after that. I have never had a late payment with them. My FICO scores are 675-690, so I did not expect the lowest rates.
