ditto...............Who finances you depends greatly on your credit (or FICO score). Yes, Capital One online car loans are great, provided you have a very good credit score. If your FICO does not come in their approval range, you'll get an instant "disapproval". There are online services that will help those with bad or substandard credit get a vehicle. The catch is that you're given a selection of dealerships in your area who finance people with bad credit. Plus these dealerships may not be ones whose cars you're interested in. If you get financing through a sub-prime lender you'll most likely pay a higher interest rate on your loan plus be asked to put down a higher down payment on your vehicle. Believe me, there are plenty of these type of lenders online. If you're one of those folks with less than perfect credit, or are having trouble getting a car loan through a traditional bank, you should try a credit union--preferably a local one in your community. They tend to be more flexible in their credit decision making than banks, and they are more likely to look at your individual situation with more compassion. Dealerships should be one of your last options (in my opinion). And even then, they are not likely to extend you credit unless you have a FICO score in the medium high to high range (650 to 780)......................
