Did a home loan refinance through them and was very satisfied with the ease of the whole process. Have not done a car through them, but did do one through Capitol One before online (they are similar) and it went well. I would likely use e-loan in the future for a car.
It is a pretty common practice to shop for a loan even before you visit the dealership and make that first offer on the vehicle. Then when the price is agreed, negotiation on financing starts. Typically, the finance ppl at dealership will try to counteroffer the rate from eloan/capitalone. That happens to my GF when she was buying her car once.
Drawback of using Capitaloneis that it can only be used on some big-wellknown-brandname dealerships. Smaller non-national-and-all-car-brand-used-car dealership sometimes are not allowed by Cap One. I dont know about eloan, buy i suspect it is the same.
Also, there is a limit on how old the pre-owned car you can get if you finance via Cap One.
I will try your local credit union once you got approved and rate quote from CapOne/eloan. Who knows they can give you better?
BTY, Aerocherry, you are buying a murano right ???