I got an email from Cap 1 the other day offering auto loan refinancing. Figured I didn't have anything to lose with my horrible 17.99% rate that I got prior to my BK discharge and it was a soft pull to pre-qual.
I got approved 4 months post discharge! The rate is still high at 9.36% but I dropped my term to 48 months since I can easily pay around $500, cutting a year off my loan! My plan is to stick with Cap 1 for a year and then maybe refi again if I can get a lower rate around 5% with 36 months while still paying $500 with a much lower payment.
They checked all 3 reports but my loan document says they went with my EX which is 602.
I'm in the same boat as you have a sky high 17.8% Carvana (Bridgecrest loan) and just did a random pre-check with Capital One and came in at 9.8%. I think I'm going to take the offer. Current scores are TA 611 EQ 613 and EX 654.