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Last Updated: 04/18/2025

Capital One Auto Finance

in Auto Loans from Capital One

Last Updated: 04/18/2025

Capital One Auto Finance logo
Mostly not recommended41 total votes
10 users recommend
2 users are unsure
29 users don't recommend
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Highlights

Community Rating

Mostly not recommended

Amount Range

$4,000 - $40,000
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APR (Fixed APR)

Starting at 3.99%(Verified 06/21/2024)
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Credit Score Range

550 - 850
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Loan Term (Months)

36 - 72
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Number of Reviews

41
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Capital One Auto Finance Review

Capital One Auto Finance is offered by Capital One, a bank founded in 1933 and based in McLean, VA. Capital One Auto are available in 50 states and Washington, DC.

Capital One Auto FAQ

How much can you borrow via Capital One Auto?

Capital One Auto loan amounts start at $4,000 and go up to $40,000.

What APR does Capital One Auto offer on its car loans?

Capital One Auto offers a fixed apr car loan product that ranges from 3.99% 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 One Auto?

Capital One Auto has car loans with terms ranging from 36 to 72 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 One Auto charge an origination fee?

Yes, Capital One Auto may charge a loan origination fee .

Does Capital One Auto charge a late fee?

Yes, Capital One Auto charges borrowers with a late payment penatly fee

Does Capital One Auto charge prepayment fees?

No, Capital One Auto will not charge you a fee for paying your loan early. Whenever possible choose lenders like Capital One Auto that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Capital One Auto loan?

Yes, you can. Capital One Auto does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for Capital One Auto Finance?

Applicants with a credit score of at least 550 and up to 850 may be eligible for Capital One Auto Finance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Capital One Auto Finance does not have or does not disclose a minimum annual income eligibility requirement.
To qualify, applicants may need to provide the following documentation:
  • Recent pay stubs
  • Driver's license or other government photo ID
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via Capital One Auto?

Capital One Auto will typically fund the car loan within 7 business days of approval.

Does Capital One perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
Capital One Auto allows you to check your rates with a soft credit pull.

Is Capital One a legit company?

Capital One was founded in 1933, it is a well-established company that has been in business for 93 years. Capital One Auto Finance is mostly not recommended by SuperMoney community users.

Capital One Auto Finance Disclosure: “Advertised 2.49% APR is offered depending on the individual’s excellent and substantial credit, and key financing characteristics, including but not limited to the amount financed, a term less than or equal to 60 months, a loan-to-value (LTV) ratio of less than or equal to 80% and a new vehicle. Your actual APR will be based on your specific situation. . . . Pre-qualification does not guarantee that you will receive financing or any particular financing terms, which are subject to change based on our evaluation of your credit application submitted at the dealer and any required documents. . . . Monthly payment and Annual Percentage Rate (APR) terms are not final until your financing is completed at a participating dealer.”

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

Capital One Auto Finance logo

Message from Capital One Auto

At Capital One, our mission is to change banking for good by bringing humanity, ingenuity and simplicity to banking. In support of our mission, the Capital One Impact Initiative advances socioeconomic mobility by advocating for an inclusive society, building thriving communities and creating financial tools that enrich lives. It is fueled by an initial $200 million multi-year commitment to catalyze economic growth in low- and moderate-income communities and close gaps in equity and opportunity.

Looking to finance a new or used car? See if you pre-qualify for financing in minutes with no impact to your credit score. Plus, know your estimated financing terms before heading to a participating dealer.

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Message from our editor

What we love about Capital One Auto Navigator

Capital One Auto Navigator makes it easy to get pre-approved for a car loan before you visit a car dealership. You can also set your desired terms for an auto loan. The tool can pre-approved you without affecting your credit and will direct you to a participating dealership. You can also view dealer inventory online so you can do most of the car buying through the internet. All you have to do in-person is test drive the car and fill out an official loan application.

What could Capital One Auto Navigator do better?

Capital One Auto Navigator places some restrictions on the vehicles that you can buy. For example, it has a maximum and a minimum loan amount, only finances cars, SUVs, minivans, and light trucks, and certain makes and models are not eligible. You also need to have decent credit to qualify for a loan, so if you’re looking for a lender that will work with people with poor credit.
You also need to work with a dealership that’s in Capital One’s network, which may limit the inventory of cars that you can see and may mean you don’t get to visit a dealership that you’ve worked with in the past and liked.

Capital One Auto Navigator‘s backstory

Capital One is an American financial company that was founded in 1994. It offers a variety of banking and credit products. It expanded into offering auto loans in 1998.

The Verdict

Capital One Auto Navigator is a good choice if your desired vehicle meets the requirements and you like doing your shopping online. If you enjoy the process of going to the dealership and shopping for a car, or have a specific dealer that you want to work with, you may want to choose a different lender.

Contact

Headquarters

1680 Capital One Drive
McLean, VA 22102
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Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed

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