CAPITAL ONE BANK, TARGET "PRE-APPROVED" CAR LOANS, AUTO FINANCE NEWS The Homework Guy, Kevin Hunter refinance car loan

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CAR BUYERS WANT CAR LOANS. IS CAPITAL ONE BANK A GOOD FINANCE OPTION? DO THEY TARGET CREDIT CHALLENGED LOW INCOME PEOPLE? YOU DECIDE. ANY GOOGLE SCHOLAR CAN FIGURE THIS OUT! GOOGLE IT! TheHomeworkGuy THE BEST CAR BUYING ADVICE YOU CAN FIND is published by The Homework Guy Team (THG)! We’re the team of Auto Experts, Finance Gurus, and Car Pricing Strategists that well over 40 Million Car Buyers have come to know and trust. VISIT OUR WEBSITE: WANT TO LEAVE A TIP FOR THE HOMEWORK GUY TEAM? Or JOIN US ON OTHER SOCIAL MEDIA! Facebook: Twitter: Instagram: Rumble: Odysee: Bitchute: GET AWESOME (THG) HOMEWORKGUY MERCHANDISE. SHOW DEALERS YOU ARE IN CONTROL OF YOUR NEXT CAR DEAL! The Homework Guy Team publishes videos to help Car Buyers. We don’t hate Car Dealerships. Instead, we represent Car Buyers, a goal that’s often in direct conflict with Car Dealer goals. A CAR DEALER WANTS TO: 1 . SELL every car for the Highest Possible Price. 2. CONVINCE CarBuyers to use Dealer affiliated Lenders / Banks. 3. LOAD every Car Deal full of Fees and Finance Products. 4. OFFER Lowball numbers on every Trade Vehicle. THE HOMEWORK GUY TEAM (THG) HELPS CAR BUYERS TO: 1. BUY a Car from Dealers or Private Party Sellers at the Lowest Price. 2. PAY Cash or Finance with their own Bank or Credit Union. 3. DECLINE Dealer Fees and Finance Products. 4. TRADE / SELL their current vehicle for the Best Value. THG didn’t For more than 40 years, dealerships have EARNED it by being the masters of predatory selling. They stalk victims relentlessly, often ruthlessly treating the most vulnerable car buyers (like seniors, for example) with little or no conscience Car Dealers and their Finance Officers have no problem creating financial devastation for their customers with over bloated car loans, and often do. While the business has had record setting profits, Dealers never stop telling Car Buyers “We’re losing money!” That’s We promote fairness, honesty, and transparency, and we’d love to see a few dealers join our mission! The Homework Guy Team provides car buying consumers with information, automotive news and updates, industry outlook, buying and selling advice, and other help to level the tables. The public face of THG is Kevin Hunter and the From Automotive News Updates to vehicle shopping advice and assistance, The Homework Guy Team is the best there is. THG CATEGORIES: cars, truck, van, suv, auto, new cars, used cars, autos, mechanics, automobile, vehicle, dealer, automotive news, auto shop, service plans, extended warranty. LEADING CAR BRANDS (MANUFA) CTURERS) WE COVER IN THE US: Ford, Toyota, Chevrolet, Honda, Nissan, Jeep, Ram, Dodge, Hyundai, Subaru, Kia, GMC, Mercedes-Benz, Volkswagen, Tesla, BMW. #Dealership #carsforsale #carlovers How can The Homework Guy Videos help Car Buyers? 1. What you need to know before buying a car. 2. Information you need when buying a car at a dealership. 3. Benefits of Buying a Car from a Dealership or Private Party. 4. How to Buy and Sell Cars 5. Learn the process of buying a car from start to finish 6. Questions to ask at a Dealership 7. Car buying tips and tricks from the experts 8. How to Buy a Car with Cash 9. How to Pay 10. Using Carmax, Edmunds, TrueCar, Autolist, or Kelley Blue Book. 11. Buying a Car out of state. 12. Taking Control of the Car Buying Process. 13. What to do if Scammed. 14 Illegal things Car Dealers can do. 15. Understanding Dealer Financing Tricks 16. How to Avoid Dealer Scams. 17. Reactions to Sales Training by Car Trainers. Will The Homework Guy Team become the #MrBeast of the Auto Industry? Time will tell! We’ve seen amazing growth, and over 327,000 Subscribers and counting. Meanwhile, if you prefer to fix your current car, check out channels like Chris Fix or Scotty Kilmer! If you wonder where we get such brilliant financial ideas, watch the Dave Ramsey Show! But, if you just need to get lucky and be handed a wad of cash, well … see Mr Beast !.

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CAPITAL ONE BANK, TARGET "PRE-APPROVED" CAR LOANS, AUTO FINANCE NEWS The Homework Guy, Kevin Hunter

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CAPITAL ONE BANK, TARGET "PRE-APPROVED" CAR LOANS, AUTO FINANCE NEWS The Homework Guy, Kevin Hunter
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41 comments

Kevin Hunter The Homework Guy 21/02/2022 - 7:14 Chiều

Please accept our invite to VOTE on our Capital One Poll!
Here's the link: https://www.youtube.com/channel/UCJ6Su-8bINvXVXWf0peAIJg/community
Poll results and any pertinent comments will be shared on our next Capital One video!

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TEAM hMONGOL Hmong Outdoors Channel 21/02/2022 - 7:14 Chiều

Thank You Capital One Bank I just approved for $63k and just picked up my dream car this past weekend a C7 Grand Sport Corvette… Super easy in and out with the dealership with my approval letter..

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Lil rel 21/02/2022 - 7:14 Chiều

Why do you still have to put down money after you get your pre approval loan amount

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Ali Duchesne 21/02/2022 - 7:14 Chiều

Capital One is a credit card company posing as a bank. Glad I saw this

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Hoss the-boss 21/02/2022 - 7:14 Chiều

I have a 2021 Honda Accord financed through capital one I got the car for what the dealer ship got it for and the car was the one I chose on the site only issue was the Honda dealer in my town didn’t have the specs I wanted but the next town over which was 40 miles away did great rates and monthly payment

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Big knoc Chi town 21/02/2022 - 7:14 Chiều

Man I thought I was listening to a WWF program his voice sounds like the old Commentator lol

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David Anderson 21/02/2022 - 7:14 Chiều

speaking of lease buyout financing, I currently have a 2019 Kia Forte LXS leased through KMFUSA. Will they finance the buyout, at he remaining balance of the car? Nowadays with car prices what they are my wife and I have decided to buy the car when the lease runs out in February of 22.Rightnoe the buyout amount is around or a little under 13,000 and the car only has 25000 mile on it.The current lease payment is 250.00 per month. Would that stay the same or go higher.

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kimmy 21/02/2022 - 7:14 Chiều

I'm being scam my victor Mitsubishi car dealer.returning the car Tuesday just notice they are charging me 3x the value of the car I'm so upset..

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nasa peterbilt 21/02/2022 - 7:14 Chiều

I financed my car through them and i got 2.9 % with a 736 credit score

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LIZARDMANLA 21/02/2022 - 7:14 Chiều

CapOne avoids lease returns due to the typically high LTVs as they loan to a lot of near prime borrowers who require lower LTVs to remain viable credit risks

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Bryan Villicans 21/02/2022 - 7:14 Chiều

Thanks kevin good info

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Darvi Rosenberg 21/02/2022 - 7:14 Chiều

I did use them not for the car I have now The car I had before. I bought a 2-year-old Lincoln MKZ was pre-approved. I did find out that at one dealership they would not take it the dealership that I took delivery from did accept it. The Capital One rate was better than the Ford motor rate so I went with it. Finance for 3 years paid it off at 18 months. I bought an Acura picked it up December 24th. Acura financial did 0.9% financing for certified vehicles. Capital One was higher. I financed it for 36 months Will probably pay it off in less than 12. I know it's not a great deal to do that since it's only .9 percent but I just don't like having any debt at this point

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Jason Rhodes 21/02/2022 - 7:14 Chiều

Not true!!! I did a loan with them for 75k, just last week.

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Edward Sessum 21/02/2022 - 7:14 Chiều

Capital one now have the dealer only rules. Tesla has to initiate the loan. Tesla will NOT but capital one continues to say that they will.

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Jeremy R Leetx 21/02/2022 - 7:14 Chiều

Kevin should work for capital one

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RetiredIntelGuy 21/02/2022 - 7:14 Chiều

4:07 are application fees a thing in the auto finance industry? That's the first ive heard of that!

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RetiredIntelGuy 21/02/2022 - 7:14 Chiều

I refinanced with Capital One. I like their loan servicing. When issues come up, they are as good as USAA is about helping resolve the issue (Cap 1 just gave me a better refi rate).

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Vicki Reynolds 21/02/2022 - 7:14 Chiều

Had nothing but headaches with last car and Capital One. I will never use then again for ANYTHING!

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floyd burney 21/02/2022 - 7:14 Chiều

…..I refuse to do business with Cap-One for anything. They keep trying tho (sending me teaser rate apps)

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Art Navarro 21/02/2022 - 7:14 Chiều

6 years ago I acquired a loan from Capital. I applied, received my paperwork which allowed me to walk anywhere I wanted with my approval known only to me. Now I tried again and they want to send my paper work or approval to the dealership? B.S. Not using them anymore.

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Johnathan Sullivan 21/02/2022 - 7:14 Chiều

Hi there, I have purchased a few used cars through Capital one and have also refinanced a vehicle. I love how you can research vehicles and get an idea of what you may pay for the vehicle. The last vehicle I purchased I did not go through them because I was able to get a really good deal through the manufacturer. I do recommend folks to Capital one so that they can know before they go to the dealer.

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Vincent Victory 21/02/2022 - 7:14 Chiều

The last car I bought online and was not able to use my own credit Union which worked out fine because my only option was to go with capital one who had the lower interest rate anyway

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Aixelsyd Dan 21/02/2022 - 7:14 Chiều

Capital one is complete garbage. I ended up walking out of the deal after the price negotiations, set vehicle type and was getting ready for the financing. I failed at utilizing my own financial institution so I opted to see what the dealer offered. Once I saw the name capital one I was a bit skeptical, the finance clown began to start with what I call fudging numbers to reach what I could only interpret as a figure he wanted to reach. Once I saw this garbage with what he and what capital one wanted to charge I left with a quickness. I figured it was cheaper to fix up my old beater than to spend what they wanted.

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Jam Slam 21/02/2022 - 7:14 Chiều

I've never used CO Finance but my brother has several times and was satisfied with them. But he had numerous problems with dealers hesitant about accepting them. They required him to still fill out a finance application so they could "positively ID him" and also claimed CO doesn't pay them for months. Of course these are lies just so they can run his credit so they can trick him into financing with them. They even refused to give him the car unless they ran his credit claiming they couldn't ID him otherwise. Just more BS from crooked dealers.

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rayvt123 21/02/2022 - 7:14 Chiều

Late 2017, we had an approval letter from my credit union for 1.99%, when the typical best rates were 3%-5%. I had check Capital One and they came in at 3.5%. I showed the CU letter to the sales manager and he said, if we can match it will you take it from us? The F&I guy said he could do 1.99%, so I took it. No cash out of pocket, no trade in, no down at all, we rolled all the taxes & fees into the loan. 1.99%. When I looked over the papers at home, the lender was Capital One. I re-checked their web site and they still said their best rate was 3.5%.

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khmerrcsouljah 21/02/2022 - 7:14 Chiều

The first car that I bought, the dealer went with cap one and i had an insane 19% rate. That’s because my credit sucked back then. I had a pleasant experience with cap one and i hope i will use them again but this time with a lower rate.

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joe Dutchman 21/02/2022 - 7:14 Chiều

Hrm…Maybe it's different if you have bad credit. I shopped around, and capitol one was lower than the dealer and my bank. My total loan for 5 years will only be ~$2000 on a ~$30k loan, and there's no payment penalty for paying off the loan early. The best the bank/dealership could do was 4%. capital one came in for me at 2.65%

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Scott Powell 21/02/2022 - 7:14 Chiều

Refinanced my wife’s car, very easy and I shaved 2 points and 6 months off loan for very small monthly increase. They were upfront with multiple loan options. Very pleased with my experience.

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craig talcott 21/02/2022 - 7:14 Chiều

I was hurting financially and needed an extension on my loan to lower the cost per month on my payment. I went from 425 a month to 340 a month. Capital one worked with me. That extra 85 dollars a month was needed for my rent. They helped me through a rough spot I was in. As luck would have it I came into some money and paid it off early. That was my personal experience and I loved the peace of mind it gave me. Thank you Capital One. And yes Capital One made more money. In my mind that is fair!

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Douglas Moran 21/02/2022 - 7:14 Chiều

The sad reality is, as noted, the single worst and most unethical person any car buyer will meet at a car dealership is that smarmy F&I manager. They are, quite simply, the worst of the worst.

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Sean Chandler 21/02/2022 - 7:14 Chiều

I had a positive experience with cap one. I used them in 2015 to buy a 2015 4Runner. 60 months for around 1.9%. I had good/excellent credit at the time (it was 6 years ago I don't remember facts). They sent me a check and If i used it the loan was active. The dealer told me they couldn't beat the rate so I used it. I cold applied to them, meaning they didn't advertise to me, I have credit cards with them and sought them out. I paid my load off early and it was easy. I'd use them again.

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andy dixon 21/02/2022 - 7:14 Chiều

My last car loan was with capital one, I got the car I wanted, at the dealership I wanted to do business with. And to my surprise, got a lower interest rate than thought.

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Jessie Ruggiero 21/02/2022 - 7:14 Chiều

How close is a soft pull to a hard pull for your auto credit score?

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Jessie Ruggiero 21/02/2022 - 7:14 Chiều

Does a vehicle that depreciates more get you lower interest rates?

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JPTAG33 21/02/2022 - 7:14 Chiều

Thank you guys!!

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Aaron Valure 21/02/2022 - 7:14 Chiều

Capital one has been great for me on the last 3 vehicles

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James Smith 21/02/2022 - 7:14 Chiều

Refinanced last July, happy with the experience and the lower interest rate….. Until I paid off the loan. I paid off the loan on March 8th and here is is April 28th and I still do not have the title. Yesterday they told me it will be another 30 days before I get the title because they 'lost it'. That means I will be hitting almost 3 months waiting for my title, a process that should take 10 days max. Meanwhile, I have a Tacoma with multiple offers that I can't sell, I don't want to drive as I already have its replacement, and I am paying to insure it. The customer service staff is all overseas, and while apologetic, can't resolve my problem. You have to go higher up to speak to someone in the United States. I got bumped up to the 'President's Office' but still no resolution.

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Lee Gandy 21/02/2022 - 7:14 Chiều

I had a Cap One preapproval letter for a 3-year-old Toyota Camry. After we landed on what I thought was a fair price, they presented a better interest rate from a local credit union. The pre-approval letter at least let them know that I was very much a potential buyer. I feel like it worked to my advantage that day.

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charlie fiene 21/02/2022 - 7:14 Chiều

What are your thoughts on purchasing from carvana?

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Off Grid Doofus 21/02/2022 - 7:14 Chiều

Cap 1 will never be in my wallet, dirty, filthy unwashed bank

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Bob M 21/02/2022 - 7:14 Chiều

Glad I am a cash buyer and yes I will keep it a secret until I am ready to sign.

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