cancel
Showing results for 
Search instead for 
Did you mean: 

Cap1 Auto Navigator

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Frequent Contributor

Cap1 Auto Navigator

I’ve looked at several pages and most seem to be a year old or more but I was wondering how reliable the pre approvals are. It looks like I can roughly finance about 60k up to 84 months at 4.29% with 1-2k down. (Lower interest if I go with a shorter term) I’ve got a few inquiries from shopping an auto loan lately but nothing horrible yet. Nothing but the inquiries has changed since the pre approval. C.C. uti is 8-9% no lates in 6 years or so DTI is good I believe - monthly payments are 1800-1900 I make around 85-89k / yr.

I’m just not keen on walking into a dealership and believing everything will go through so easily. There’s always a snag...

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
9 REPLIES 9
Established Contributor

Re: Cap1 Auto Navigator

I just recently had to buy a car using them.
I got the pre-approval but when I did the paperwork and the ran the numbers, I actually got a better interest rate.
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


Take the myFICO Fitness Challenge




Message 2 of 10
Frequent Contributor

Re: Cap1 Auto Navigator

The dealer got you a better interest rate?

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Message 3 of 10
Established Contributor

Re: Cap1 Auto Navigator

No. I still financed through Cap1 but when they submitted everything, Cap1 countered it's own rate. 🤷🏽‍♀️
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


Take the myFICO Fitness Challenge




Message 4 of 10
Frequent Contributor

Re: Cap1 Auto Navigator

Well you can’t beat that I suppose

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Message 5 of 10
Valued Contributor

Re: Cap1 Auto Navigator

If you are worried about pre-approvals not being solid, don't be.  Cap one is solid.  Good luck!




UNpopular opinions have served me well and will offer that which has worked for me.
Message 6 of 10
Frequent Contributor

Re: Cap1 Auto Navigator

Cap1 pre approvals are much more solid than most. as mentioned above, ive heard of several people getting better APR when they actually process their real application. also, if youre looking for more recent info, type in auto navigator, or whatever youre looking for, and be sure to sort by "date". it is set to "relevance" by default. now when you scroll by date, you just have to look before you click and make sure its a thread related to what you want. but good luck! keep us posted if you get a car!

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 7 of 10
Frequent Contributor

Re: Cap1 Auto Navigator

Just figured I’d update everyone - I’m working in Texas currently but purchasing in Alabama (I call it home even though I’m “home” 4 day out of the month) call up my salesman and explained what I wanted - new Denali 2500 diesel MSRP is 72900 ish I’m getting it out the door around 61k 84 (not fond of) months 4.29% rate 850 / month 3600 down all I have to do is call in tomorrow with my payment of 3600 and sign for it when I get in on Friday.

I can’t say that I’m excited as it’s the single largest thing I’ve ever signed for on my own but it’s an accomplishment of sorts I guess.

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Message 8 of 10
Valued Contributor

Re: Cap1 Auto Navigator

I was prequalified and the entire process could not have been easier.

 

Filled out application at new car dealer and told them not to run my credit for any company except Cap One.

 

No snags, no hassle, no BS, no paystubs.

 

2.49% for 72 months with no money down.

(2.5 years ago)

 

Cap One interest rates vary depending on how good the deal is.  That is why they ask for VINs and loan amounts during prequal (or they used to.). That is why interest rates can go down at the dealership.  

 

No issues with account since opening except I don’t like that you can not paid more than a month ahead.

 

My scores averaged a little under 700 and was prequaled for $40k+some overages (only financed $30k)

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                    5%-20% - Amazon & Lowes                3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl         4% Dining & Entertain - Savor            3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver





    
Message 9 of 10
Frequent Contributor

Re: Cap1 Auto Navigator

Yeah it’s as simple as it gets, when I called I thought I was pretty clear by saying cap1 has given me a pre approval send it to them because I doubt that any one will beat the terms and then the alerts start rolling in the next best rate was 5.5... I’m a little bit upset about that but I knew going into it that would probably happen, I’d like for once a salesman / dealership to surprise me by not doing the normal.

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.