Capital One has been outstanding to me. I was wanting an additional car and wasn't sure I would get a favorable rate. I used Capital one preapproval site for an Auto loan, my CK score is 677 & 699, so I figured I would have to pay a down payment. My interest rates were 7%-12.95% depending on the amount, year and mileage of car and I was approved up to 25k. I wasn't able to find anything that I wanted in the 45 days that they give you so I had to reapply.
I reapplied with the same CK scores and this time my interest rates were 1.99%-8% depending upon the amount, year and mileage of car and this time i was approved for $40k. I thought, "wow" I'm glad that I didn't find anything at the higher interest rates. Needless to say that i found my car and I got a 2008 BMW 750 Li at 7% for 60 months, no money down. The dealership only ran my credit 1 additional time and the finance manager stated that I would not get a better interest rate then with C1. If I had bought something newer I would have gotten a much lower interest rate but it would not have been the car that I wanted. The process was so easy, I was in and out of the Finance office in less than 30 minutes and would have been out much sooner but he kept trying to sell me additional things. I must say I could not be more please with C1;
By the way, I have a Checking and 4 Credit Cards with them. I've been with C1 rebuilding my credit for about 5 years and Capital One has been nothing but good to me.
Thanks Capital One