I am coming out of a divorce..my credit score was 600 TU and 685 Equifax. I just started my job after being a stay at home mom for 16 yrs. I applied, prequalified for rate between 2.9 and 12. They required NO documentation. I found my car..played with the numbers. Went to dealership, was super nervous....just too easy and to get approved upto 32k with not great credit. The dealership was great, ran the credit app through Cap one... my deal was exact same as on my letter.. no docs requested. Same terms, ect..left with a 2014 with 25k miles. I am a happy customer! I do have a small line credit card with capital one I have had for a long time in which I always pay on time. I highly recommend them for anyone with my credit situation.
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On a whim 2 years ago I applied for a CO Blank Check for a new car purchase. CS at the time was around 540. I was immediately approved for $18,000 at 17%. (I started 6 months prior to this by getting a secured card from CO and then a Quicksilver card) Purchased a 2013 Nissan Altima with my blank check. I have never had an issue with purchasing the car, using the blank check, making any payments, dealing with customer serivce, or anything else. It has been a dream come true. I've made payments on time on all three accounts (car and 2 cards). It is not 2 years later, my CS is up to 635 and I have decided to trade my car in. I have been getting these emails from CO about applying for the "Auto Navigator Program" so today I decided to take the plunge and see what kind of interest rate I could get. I figured I would get about 20k @ 5-10%. Well....I was flat out denied. Ive been a loyal customer for 3 years, always paid on time, had several CL increases, credit score went up by100 points...but nope. I called them to see what the deal was and the lady on the phone told me that she couldnt tell me anything, that a computer decides who gets approved and for how much and I just had to wait until I got the letter in the mail in 7-10 business days. It doesnt make any sense to me. I really wanted to get a new car in the next few months and I really wanted to use another CO Blank Check. Guess I am stuck with this car for another 6 months or so....