I was playing in the Capital One site - and noticed the new Peoplefirst auto section. I clicked, then saw some offer for their Custom Finance program. I clicked into it and saw they have a chart of rates - not low but gives an idea.... I have the 12.95% rate - for 72 months - I noticed this is considered AVERAGE CREDIT with Cap One Auto.... Well - that tells you that if you have a discharged Chap 13 from 1996 - Cap One will not give you their BEST rates.... BUT... they will give you an auto loan with a rate from 11%-15%. No down if you wish. Again, I will CHUNK down the balance semi-annually and will continue to double pymts. In 30 days, I will have a CAR WORTH MORE THAN THE LOAN AGAIN - after another $10K payment. Wouldn't really want to have to make 72 payments - just a hassle - no online payment....but you can pay by phone for a $6 charge. They do cash my check out of LA the next day - so they are set up well. http://www.capitalone.com/capitaloneplace/fa/auto.php?pfid=2000bann0202 SO - Cap One is going after the auto market...makes sense.... aarrrrff - dogman
Dogman... I tried Lendingtree.com. I received an offer from WFS Financial to refinance my high interest rate from American Investment Bank. WFS offered me 8.50%. You may want to give them a try.