Capital One Banking as Capital One Stack Up ~ Capital a bank is not the first thing that comes to mind when you think of a capital. You immediately think of credit cards, but many people are not aware that capital is actually a bank, and offers all the standard features that banks are like savings accounts, certificates of deposit, auto loans, personal loans, etc.
Obviously, for some of them, you'll need a relatively high credit score, but assuming you qualify, then the capital loans are definitely a worthy choice.
As their services compare with other banks today? Even if you do not, they are often above three percent, a rarity in today's market.
Car loans, depending on your credit score, you can get as low as five and a half percent, although it is the absolute lowest you can get (in general, you will pay a little more). Home loans start around six and a half percent.
You can also refinance your existing mortgage with Capital One Banking, and do it in fifteen eighty percent of the value of your home. If you are not satisfied with your current rates for any reason, this is certainly a nice feature to have.
The best part is, you do not need perfect credit for this, because they are a little softer than many banks on this. Just use your online calculators to determine if the move to the Capital One Banking is really worth, as it is sometimes, and sometimes not.
Finally, Capital One also offers debt consolidation if you have debts to more than one company, and all you do for this is to merge all your debts into one payment, in any case, you can get, pay them, and they handle the rest. These rates currently start at six and a half percent, very competitive industry, and yet, if your credit score is less than perfect, you may still qualify.
Also, do not forget the capital of an online bank, which is a very popular service and one that can really save you a lot of time instead of driving to your local branch each time you want to deposit money.