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Capital One Auto Navigator Success

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

Capital One Auto Navigator Success

I managed to raise my score by almost 100 points in the past 8 months but I hadn't been at my 2nd job for over 6 months which CapOne requires. So just before my 6 month mark I prequalified with CapOne and then sent them my latest paystubs. They verified my employment and I started looking for a vehicle. I managed to find a 2018 Ford Fiesta 5 speed manual last week. I test drove it on Friday and tonight I went back in with my reference number, took it for another drive and then signed the paperwork and drove it home with no money down. I did accepet a tad higher APR than I wanted but I will refinance with PenFed when my score improves even more in a few months. I had my doubts about how easy it would be to use CapOne or if they would even approve me without any money down but the vehicle is in my driveway and I haven't even turned 50 miles on it.2018Ford.jpg

9 REPLIES 9
Frequent Contributor

Re: Capital One Auto Navigator Success

Congrats 🎉🎊👏
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 2 of 10
Valued Contributor

Re: Capital One Auto Navigator Success

I may be more impressed that you found a new car with a manual transmission Smiley LOL

 

Congrats on the approval and new car!

Ch 7 Discharge 3/12/2018
Cap One QS1 $3,000, Wayfair $5,000, Blaze MC $3,000, Kohls $500
Infiniti Financial lease

AU Cards: CSP $37.7k; Chase Marriott $20k; Discover $7.8k; CapOne Venture $30k
Message 3 of 10
New Contributor

Re: Capital One Auto Navigator Success

I was trying to find a used Civic or Corolla manual which I found out is not an easy thing to do when you live in a small city. I've always liked the Feista but would never had purchase an automatic so when I found this last week I was stoked. I'm super happy with the vehicle and being I live in Maine the heated seats are a bonus. 

Message 4 of 10
Established Member

Re: Capital One Auto Navigator Success

Nice! Get that thing ceramic coated ASAP to preserve that metallic paint! Great color!


Message 5 of 10
Highlighted
Established Contributor

Re: Capital One Auto Navigator Success

Congrats!! Nice wheels!!👍👍

DW’s car is thru Cap1 and they are awesome to deal with.

😊



Starting FICO 8 Score: EQ 491
Stating FICO 8 Scores 03/17/2018
TU 483 EX 527 EQ 491
Current FICO 8 Score:
EQ 625
Goal Score: 600(within a year)**MET MY GOAL**


Take the myFICO Fitness Challenge














Message 6 of 10
Community Leader
Senior Contributor

Re: Capital One Auto Navigator Success

Congrats on the new set of wheels.  Always fun and exciting to get a new car.  Happy to hear that CapOne made it easy for you.  Now get out there and have some fun in your new car!

Message 7 of 10
Senior Contributor

Re: Capital One Auto Navigator Success

Congratulations on your new car and thanks for sharing your journey with CapOne Auto Navigator. The website makes it sound easy but have always wondered.

 

When you went through the prequal process, did you state on the form that you were putting $0 down? I'm assuming that was reflected on the prices and rates you shopped online? Also, how accurate were the prices and rates reflected on the website versus once you arrived at the dealership?

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 8 of 10
Regular Contributor

Re: Capital One Auto Navigator Success

Be careful if you see a price you like that's far away. About a year ago my boyfriend found one through auto navigator and we drove 1.5 hours to go get it to find out the dealer didnt want to give us the car at that price. They claim it was a mistake on the part of the navigator. What a wasted trip.
Message 9 of 10
New Contributor

Re: Capital One Auto Navigator Success

 


@19eighty5 wrote:

Congratulations on your new car and thanks for sharing your journey with CapOne Auto Navigator. The website makes it sound easy but have always wondered.

 

When you went through the prequal process, did you state on the form that you were putting $0 down? I'm assuming that was reflected on the prices and rates you shopped online? Also, how accurate were the prices and rates reflected on the website versus once you arrived at the dealership?

 

Yes, I did place $0 down on the prequal form and I also changed the price of the vehicle to what I was going to pay. The APR was .5% more than what the website quoted but overall everything was pretty spot on. I have a cold at the moment so if I didnt' answer your question, please let me know as I'm not thinking clearly.




Message 10 of 10