process is easy, fast, painless, money in your account fast.
I have 2 loans with them. I would recommend.
At first I was having second thoughts about applying because of my credit and inquiries. But I decided to take a chance as I was killing myself paying for a car at 23% and monthly at 500 for a 2016 car. I am surprised that I was actually approved and my rate was cut by more than half. Now my payments are lower and much more manageable thanks to them. It did take a while but it was during the thanksgiving weeks. I did take a few inquiry hits so they could get me the best deal but it was worth it. Really thankful for not just Emily and Kathleen but to IFS as a whole for giving me a chance. Wonderful job!
At first i had a problem in the beginning because my application was approved then canceled. I was going to give up but then i gave them a chance again. A young man named Conner helped me out this time and his communication skills was wonderful. Each day he texted me updating me with new information about my loan. He made sure he informed with every little detail to my understanding. Thank you so much Conner! You was a great help.
STAY AWAY from this company. Dont waste your time. They sent me a letter saying that based on my credit, i have been pre-approved to refinance my car. They then came back and said i was not approved because of my credit score using the very same credit report saying i met their criteria. Very unethical company that just wants to get your information. Dont waste your time. COMPLETE SCAM!!
I cannot stress how much Capital One is AMAZING! I got myself a new car in 2015 as a gift for myself for hitting a major accomplisment in my life. Carmax was originally going to finacne my car, but I got a call from Capital One, who offered a lower interest rate. So of course that meant a lower payment. While I am paying $30 less with Capital One, it's $30 I put toward a different credit card each month. That's beside the point, but with Capital One, I am able to split my payment to be drafted on whatever day, every week. Why I waited so late; i don't know. In March or April, I started the split payments. I pay (including extra toward the principal) for less than $90 a week. With the extra added to the payment, I have managed to knock two months off of my maturity date.
When this one is paid off, and I hot my next major accomplishment, a new car is in the worksm but not a new finance company.
I got the name of this lender from Credit Karma online ads. It was easy to apply- easy to enter down payment scenarios, etc to see how various amounts affected the interest rate and monthly payment amount. All in all a very simple, friendly service. Finding the right vehicle was the hard part.
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