Cap1 auto nav pre approval

Anonymous · ‎05-30-2017

I have a pre approval for up to $35k through cap1 auto with rates 5.36 - 12.77% up to 72 months. If I take 72 months on the car I want, it's quoting 6.63%. Based on my scores, any chance a credit union might beat these terms?

EQ
Auto 8: 649
Auto 5: 659

TU
Auto 8: 607
Auto 4: 632

EX
Auto 8: 605
Auto 2: 604

Anonymous · ‎06-01-2017

Depending on whether or not you have negative items on your report (specifically a previously defaulted loan or auto loan), then a credit union like Digital Federal Credit Union (DCU) or Pentagon Federal Credit Union (PFCU) will be able to beat that rate. They both pull EQ

Anonymous · ‎06-01-2017

Credit Union will DEFINITELY beat it. I had 8% with a cosigner in the mid 700s with capital one. My EQ is worst than yours and DCU gave me 4.24%

Anonymous · ‎06-02-2017

@porch
DCU sounds promising. Do you have to buy a car within their network like capital one does?

Anonymous · ‎06-07-2017

@Anonymous wrote:
@Anonymous
DCU sounds promising. Do you have to buy a car within their network like capital one does?

No. You can buy from whomever you want, dealership or private party

Anonymous · ‎06-08-2017

DCU by far. Think you'd have a good shot