capitalone offered me like 19.8% financing. Peoplefirst.com first tries to get you a loan, then autodumps you to capitalone. They are like household. I got : peoplefirst: denial capitalone: 19.8% 60 months household: 16.4% 72 months chase automotive: 7% 60 months. I wasted inquiries. I hope my experience saves you the trouble.
Too late, I have already applied with them. Waiting for the contract packet. But I curretnly have 21.5%. HUH.......
I tried to refinance my car loan to take advantage of some of the lower rates. I applied at Peoplefirst.com and they sent my application to Capital One. They approved the application for 15.95%, which is higher than the 8.75% I was paying. I called my credit union, where I already have another car loan with a rate of 7.25%. They refinanced my car loan ata 5.99% and get this they didn't even pull a credit report. They based thier credit decision on timely payments of my other car loan and my credit card with them. Not all credit unions are like this, but damn I love mine.
