Last Updated: 04/18/2025
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Highlights
Amount Range
N/A
APR (Fixed APR)
4.00% - 9.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
649 - 740
Loan Term (Months)
48 - 60
Capital Bank Auto Loans Review
Capital Bank Auto Loans is offered by Capital Bank, a bank founded in 1995 and based in Albany, NY. Capital Bank auto loans are available in 2 states.
Capital Bank auto loans FAQ
What APR does Capital Bank auto loans offer on its car loans?
Capital Bank auto loans offers a fixed apr car loan product that ranges from 4.00% APR up to 9.50% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Capital Bank auto loans?
Capital Bank auto loans has car loans with terms ranging from 48 to 60 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.
Does Capital Bank auto loans charge an origination fee?
No, Capital Bank auto loans does not charge a loan origination fee.
An auto loan origination fee is what some lenders charge for processing an auto loan application and funding an auto loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.Does Capital Bank auto loans charge a late fee?
Yes, Capital Bank auto loans charges borrowers with a late payment penatly fee
Does Capital Bank auto loans charge prepayment fees?
Yes, Capital Bank auto loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Capital Bank auto loans loan?
Yes, you can. However, Capital Bank auto loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for Capital Bank Auto Loans?
Applicants with a credit score of at least 649 and up to 740 may be eligible for Capital Bank Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Capital Bank Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Capital Bank Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
Does Capital Bank Auto Loans report your account activity to credit bureaus?
Yes, Capital Bank Auto Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Capital Bank perform a hard credit pull?
Yes, Capital Bank auto loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Capital Bank a legit company?
Capital Bank was founded in 1995, it is a well-established company that has been in business for 31 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Capital Bank auto loans
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
9:00AM - 1:00PM