<prompt> Human: In the market for a used with low miles wagonsmall SUV. In a situation where we need to finance. I dont want to argue that and buying 500 cars instead. What I want to know is this... my last car was financed through Capital One. I never missed a payment. They have an auto buying service and offered me 3-18 interest. Awesome. My last car was 12 because of a chapter 7 seven years ago. So Im looking at a Subaru Forester. The interest rate is 12-14 on all of them. But if I go with a comparable Ford, Kia, or other makes the rate goes down to 4-10. Why is the Subaru rate so high? I called Capital One and they didnt know. They told me its an algorithm and to just try different options.  <response>: Some statistic somewhere says people who purchase Subaru are more likely to default. Algorithm increases reward to compensate for risk. 