I admit I'm a bit quick to think the worst of the Finance folks at dealers because of past frustrations. one from the dealer themselves, one from US Bank and one from another bank. So I said okay, and it turned out that generated THREE hard pulls. Then, hit the road and enjoy your new car. In fact, when I purchased my car last month and came in with the NFCU preapproved financing, the FM said he really thought he could get a better deal through US Bank. Take Auto Navigator with you to the dealership and complete a credit application to finish up your financing. Pre-qualify for an auto loan in minutes without impacting credit score. Call dealers directly from the app to ask questions and check availability.
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I had a dealer try to do that to me once. Download Capital One Auto Navigator and enjoy it on your iPhone, iPad, and iPod touch. I was thinking that the dealer submitted an additional inquiry to CapOne on top of what they needed to submit to CapOne for the prequal process (at which point CapOne themselves would run the HP). Once the dealer submits you to Cap One, the approval on the Capital One call back will show the customer as a Auto Navigator applicant with the APR range and the final APR based on structure. Dont understand why since I thought CapOne finances amounts that small.
Dealer said only approval they can get for that amount being so small, 5602, was 17.44.with Ally for 72mo. To clarify something in your response, once you do your pre-approval through Cap One (is only a SP) the dealer HAS TO submit your credit information to Cap One for the hard pull and final approval. I put 16k down tonight on a new car costing 21602 OTD.
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