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Negotiate your pricing first then see what your exact rate is with Cap One.
Tell your salesman you have outside financing or are paying cash then get your best price.
Then you can let him convience you into checking for a better rate if you want.
Just know you will end up with a bunch of inquiries on your CR.
3.88% is a pretty darn good rate.
Cap One rates actually vary on how good of a deal the car really is.
My rate varied by over 1% depending on the price of the car and the VIN.
I ended up with the best deal and the best rate and the process could not have been easier.
I got 2.49% for 72 months with no money down but that was 3 years ago.
GL!
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
@killnfool wrote:
Ok, so I've decided on the Kia Niro. Anyone with thoughts on if I'd get approved for their 0% or 0.9% APR offer based on the info given before?
@killnfool , we've already told you that your chances of approval with Kia financing are very good. You're 2 years post BK DC! You can buy a house 2 years post, so getting financing for a car is easy! As long as your credit profile looks good in other aspects (low utilazations, no lates after DC etc...)...you would be good to go! Best way is to call the finance manager of the dealship, and talk to him. They see all sorts of credit profiles, and have much experience with not perfect credit either. It's not like you just got DC yesterday.