Capital One Navigator Build my Offer - Really Weird

[Blitz1030]

So I was approved for 35k thru Capital One.  We are buying a car more than that and have ample cash to put down.  When I build the offer Cap One Auto Navigator allows the Total Financed # to go up to $38,000 not $35,000.  Has anyone seen this happen? 

Anymore and it says the downpayment must be hire and it turns red.  We are only looking to finance 30k but I just thought it was weird that it would let me go above the 35k pre qualification amount.

[Shooting-For-800]

Pretty sure they go over sales for tax, fees, and maybe extended warranty.

Otherwise, preapproval amount would just complicate things.

ALSO, the better the car deal the lower your rate...the worse the deal, the higher the rate.

(obviously there is a floor and ceiling)

When I used them my offers varied from 2.49% to like 7.49% depending on the car and price.

GL!

[Brian_Earl_Spilner]

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@Shooting-For-800 wrote:

Pretty sure they go over sales for tax, fees, and maybe extended warranty.

Otherwise, preapproval amount would just complicate things.

ALSO, the better the car deal the lower your rate...the worse the deal, the higher the rate.

(obviously there is a floor and ceiling)

When I used them my offers varied from 2.49% to like 7.49% depending on the car and price.

GL!

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This pretty much. There's a buffer if you add warranty, accessories, and gap, plus license, tax, and docs.