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• Inexpensive Cell Phone Calling (New, 1/17/07): How to get a good cell phone and plan at minimal expense. • Cut Your Electricity Bill (Update, 1/15/07): Many ideas to help you save power using appliances. |
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(which used to be called "PeopleFirst.com" before
Capital One bought the company for $150 million in 2001) gives you a $100
service satisfaction guarantee: if you're not satisfied with your experience
with their services, fill out a questionnaire and get $100 back. You
apply online and within 15 minutes, they contact you with a car loan decision.
There is no application fee, no down payment, and no prepayment penalty.
They then give you what they call a "blank check", which you can present
to nearly any new or used car dealer. The "blank check" isn't
redeemable for money, but it does show the dealer that you're pre-approved and
already financed for whatever car you're going to buy. This gives you
an edge in negotiations.
Finance (Or Refinance!) Your Car At A Lower Rate 
