I am very happy with Capital One Auto vs others compared. Was approved for 3.3% 71 payment on 2019 Honda Accord with refi of $31,333 which was about $10k underwater from Bluebook. Old auto dealer arranged loan with Alaska Credit Union was at 5.74%
However, odd their credit disclosure statement shows they pulled 756 from Equifax far lower than all my scores shown here. For Auto Scores unless I am blind don't seem to show which bureau when shown here.
My Scores from here:
FICO 8 Auto 815, FICO 2 Auto 797 and FICO 9 Auto 805
Regular FICOS are 803, 800, 798
I am very happy with the results just surprised how different their score was then what is shown here.
I also am ready to close on a home refi going from 5.125% to 2.5% with about $2000 due from me. I wanted to get the Auto refi done before my scores drop after my home refi set to close in 2 days. On home, I will be saving about $600/month in payment but since will be newer the simulator shows scores will drop about 20 or so points.
