Anyone better than capital one?

[ryanr623]

For a car loan.
I have heard from people that the best rates for people after bk is capital one, and i have heard that it is not. Is there anyone who has applied for a car loan through cap1 and got a better rate elsewhere? if so where from?

I got approved for 20k, with zero down and 9.5%-13%(depending on model year) interest through capital one, but wanna see if i can do better.

Eq FICO - (From myfico) 638
TU FICO - 552?!?!? (said this in my blank check pkg from cap1)

[tobee43]

like i said b4...i think really 9.5 is pretty good after bk....however, that would NOT stop me from attempting a refin in approx. 6 months or so....

[IBroke]

Depends what car you have in mind. Ford Credit seems to be BK-friendly as well. I've heard of users who got a rate below 5% after BK.

[tcreegan]

Hi Ryan,

I haven't seen much better than your offer from Cap 1, but wanted to mention the difference between your FICOs is most likely errors on the TU report. Might want to pull all three and clean-up anything you can, not sure it will get you a better offer but it can't hurt...

Tom in Colo

[ryanr623]

Thanks everyone!

[tyson24]

My sister got one just 3 weeks ago from Cap One for 12.9, almost a year after bk and TU score of 523 with a 2010 loan of $18,000. 9.5 is great. Just FTR, she BK'ed them too in January 10'.