That capital one blank check is a joke. The rates super high. I'm a car salesman and just went through the same process. Find one at a decent sized dealership and they'll get you financed with a much lower rate. There's good deals out there also, Negotiate before you even come in. I picked up a 07 335i coupe with every option but nav with only 55k miles at a local bmw dealership in absolute mint condition for only 16,500 which was 4k lower than there asking price.
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