Denied prequalification at cap 1 now what

[Anonymous]

Desperately need to buy a new car , old one no longer runs and can't be repaired been waiting months while closing on a house so as not to screw up mortgage. Auto credit scores mid score js 675.  Income 120k annually , been at the same job for 17 years.  Where do I look now ? 

[sccredit]

DCU or any local credit unions. 

[Jnbmom]

Who do you bank with it? I would try them first. Don't be discouraged by cap one they denied me awhile back yet I got several offers from my CUs with great rates .

[blindambition]

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@Jnbmom wrote:

Who do you bank with it? I would try them first. Don't be discouraged by cap one they denied me awhile back yet I got several offers from my CUs with great rates .

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+1

Cap One has changing co-brand portfolios, just did a large round of CLD on Core an Co-brand cards. Seems they are quite focused on current financials. Don't be discouraged, CU are still willing to give.

[Gladius]

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@Anonymous wrote:

Desperately need to buy a new car , old one no longer runs and can't be repaired been waiting months while closing on a house so as not to screw up mortgage. Auto credit scores mid score js 675.  Income 120k annually , been at the same job for 17 years.  Where do I look now ? 

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So have you already closed on your house?  If not, didn't your LO advise you not to apply for any new credit?  Regardless, I hope it all turns out well for you.

[Anonymous]

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@Gladius wrote:

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@Anonymous wrote:

Desperately need to buy a new car , old one no longer runs and can't be repaired been waiting months while closing on a house so as not to screw up mortgage. Auto credit scores mid score js 675.  Income 120k annually , been at the same job for 17 years.  Where do I look now ? 

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So have you already closed on your house?  If not, didn't your LO advise you not to apply for any new credit?  Regardless, I hope it all turns out well for you.

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Yes we are all closed and funded .  It's why I've been waiting months to buy despite no longer having a driveable car 

[Anonymous]

Credit unions. If you're in one, talk to them. If not, join one, either local or one of the big national ones as mentioned upthread. If I recall correctly on PenFed's site, new car loans are as low as 2.17% and recent model used in the 2.5% range.

[Anonymous]

What kind of car are you looking at? With your score you may be able to get a subverted rate through the brands captive.

[dunn2500]

credit unions

i had same issue with banks with a lower score than yours.......credit union was easy as pie

dealers wanted 13-17%.....navy fed gave me 7% and just refinanced thru pen fed @ 4%....this all within 6 months