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Cap One Auto Finance Approval

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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Senior Contributor

Cap One Auto Finance Approval

So.. i was on my 2nd leased Honda. went today to see if i could upgrade early like last time just because i got my registration renewal and it was on my mind. but i still had 15 payments left so it was a tad too early and we were ready to walk out the door.. but the finance manager(who i have history with since obv ive leased both my cars there AND he interviewed me for a BDC job) seemed desperate to sell me a car - the place was dead.
we had to put a bit more money down than i had planned on but.. here we are! now bf and i own a home and a car together- hes not getting away now! 😂

APPROVING BANK: Capital One
BUREAU PULLED: Experian
SOFT PULL/HARD PULL: 2 hard pulls for both of us(1 by the dealership)
CUSTOMER STATE OF RESIDENCE: RI
NEW/USED: new
YEAR OF VEHICLE: 2018
MAKE: Honda
MODEL: Civic Hatchback Ex
MILEAGE: 25
FINANCE/LEASE: Finance
TERM CONTRACTED: 7 years
APR/LEASE RATE: 9.48%

Amount Financed 26,000

MONTHLY PAYMENT: $423
MISCELLANEOUS COMMENTARY: both i and my bf are on this loan

-full 7 year warranty included

-GAP coverage

| Discover $11,500 - Capital One $4,500 - Care Credit $7,000 - Lowe's $5000- Kohl's $300 - Paypal 2% $1000- Walmart CC $700- Penfed PCR $5000 | HSBC Gold $1250- Express $350 - BW Rewards $1500 - VS $500 - CapOne Auto Finance 4/6/19 2018 Honda Civic Hatchback Ex - Ch 7 BK 12/2013 - First Time Home Buyer!! Close 8/21/18 |
11 REPLIES 11
Senior Contributor

Re: Cap One Auto Finance Approval

Looks like a good deal, Sasha. Enjoy!

Message 2 of 12
Super Contributor

Re: Cap One Auto Finance Approval

Congratulations!





Message 3 of 12
Senior Contributor

Re: Cap One Auto Finance Approval

Congratulations! Smiley Very Happy

Scores 1/2019:
Scores 5/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 4 of 12
Frequent Contributor

Re: Cap One Auto Finance Approval

Congrats. What were your scores?
Message 5 of 12
Super Contributor

Re: Cap One Auto Finance Approval

Woohoo!






***AD SPACE AVAILABLE***
Message 6 of 12
Senior Contributor

Re: Cap One Auto Finance Approval


@FMC wrote:
Congrats. What were your scores?

not as high as i would have liked 😂.. under 700.. we just started rebounding from buying the house AND me being laid off for 3 months.

i wasnt planning on buying i like leasing but when they came out with cap one i said 🤦‍♀️- theyre always sending me finance preapprovals!

| Discover $11,500 - Capital One $4,500 - Care Credit $7,000 - Lowe's $5000- Kohl's $300 - Paypal 2% $1000- Walmart CC $700- Penfed PCR $5000 | HSBC Gold $1250- Express $350 - BW Rewards $1500 - VS $500 - CapOne Auto Finance 4/6/19 2018 Honda Civic Hatchback Ex - Ch 7 BK 12/2013 - First Time Home Buyer!! Close 8/21/18 |
Message 7 of 12
Senior Contributor

Re: Cap One Auto Finance Approval

also just looked at my paperwork.. amount financed is 26,000, interest rate is 9.48%.. i will edit

| Discover $11,500 - Capital One $4,500 - Care Credit $7,000 - Lowe's $5000- Kohl's $300 - Paypal 2% $1000- Walmart CC $700- Penfed PCR $5000 | HSBC Gold $1250- Express $350 - BW Rewards $1500 - VS $500 - CapOne Auto Finance 4/6/19 2018 Honda Civic Hatchback Ex - Ch 7 BK 12/2013 - First Time Home Buyer!! Close 8/21/18 |
Message 8 of 12
Frequent Contributor

Re: Cap One Auto Finance Approval

How far under 700? My wife got the same rate as you on refinance with a 527.
Message 9 of 12
Senior Contributor

Re: Cap One Auto Finance Approval


@FMC wrote:
How far under 700? My wife got the same rate as you on refinance with a 527.

hey thanks for making me feel good 🙄. i was 660 and he was 680 or something but we just bought a house in august and i have a TON of inquiries.

 

oh well. i have the car. the end

| Discover $11,500 - Capital One $4,500 - Care Credit $7,000 - Lowe's $5000- Kohl's $300 - Paypal 2% $1000- Walmart CC $700- Penfed PCR $5000 | HSBC Gold $1250- Express $350 - BW Rewards $1500 - VS $500 - CapOne Auto Finance 4/6/19 2018 Honda Civic Hatchback Ex - Ch 7 BK 12/2013 - First Time Home Buyer!! Close 8/21/18 |
Message 10 of 12