You WILL have to fill out an application.
They don’t send checks ahead anymore (at least they didn’t for me)
Cap One does prequal with SP.
I told my salesman 3 times if anyone pulls my credit other than Cap One, I am walking out.
I told him I get instant CR alerts.
Filled out the app, no extra pulls, smooth as silk.
72 months at 2.49% through Cap One (few years ago.)
No hoops, no hassle
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