Some folks use 0% interest credit card offers and keep rolling them, others used Home Equity loans but those days are pretty much over with real estate meltdown.
I went with CapitalOne too. They seem to finance everything with the not-so-best-interest-rates, so I then refinanced it through a credit union after I paid off a substantial amount. Good luck.
My credit union doesn't seem to have age limits, only mileage (100k)..
Really that leaves a couple options:
1) Get a car with less than 100k miles.
2) Pay cash
Even Capital One was cracking down when I bought mine almost a year ago. I went through a local credit union. And the rates are better there than at the normal banks anyways.
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