Capital One auto approval question

[Calisoco]

I went to the dealership and they approved me through cap one who I have been products with. Cap one did not give me a pre approval I tried. Any way to contact them and ask for the rate I was approved at through the dealership? Don't feel they are telling me the truth

[bigseegar]

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@Calisoco wrote:

I went to the dealership and they approved me through cap one who I have been products with. Cap one did not give me a pre approval I tried. Any way to contact them and ask for the rate I was approved at through the dealership? Don't feel they are telling me the truth

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Of course you can try as it's your financial info. However dealerships mark up APR's that's how they make money on the cars on what's called the "back in". Also the approval may be tied to the dealership so the deal may not go through if you don't agree on the terms. 

What is the rate and your FICO scores and DP's and we may can tell you here if in seems legit.

[incognitony]

You can ask the dealer for the buy rate. That's the % of the approval  that was given to the dealer. 

[Calisoco]

Turns out they were trying to make a few points on me but I got a prequal through capital one with stips (dealer no stips) but cap one wanted a whole lot more money down. Dealer is matching the rate so will be buying tomorrow!