And its from Capitol One. Dont get me wrong, I love Capital One. I just got a second credit card with them. But their auto finance arm sends me pre approvals (for up to $35,00!) damn near 2-3 times a month. They suck for only one reason: its a dealers of their choosing. This months dealer is Nissan, which has nothing I would want new or or used with the exception of the Maxima, though I feel like I would regret that decision a few months after getting one. Both new and used lots have mainly terrible terrible Versa’s, Sentra’s and Altima’s. Their bread and butter. A hard pass for me.