Last Updated: 04/18/2025
SuperMoney User Recommendation Score -46
Mostly not recommended41 total votes
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Highlights
Community Rating
Mostly not recommended
Amount Range
$4,000 - $40,000
Disclaimer popup with additional information
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
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 -- some lenders offer terms that 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 penalty 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. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
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.
Message from Capital One Auto
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.
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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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -46, or 2.1 on a 5-point rating scale.
-46
-1000+100
No one recommends
Everyone recommends
Capital One Auto Finance Community Reviews
Would you recommend Capital One Auto Finance to your friends?
Doug S.
Aug 10, 2022
May or may not recommend
Awful experience using their Auto Navigator program. They pre-qualify you with a rate, but don’t honor it once you are in the dealership. You are best to look elsewhere and not waste your time.
Tarah D.
Jul 2, 2022
May or may not recommend
The only way that I would recommend Capital One Auto Finance is if you have challenging credit and need a car loan with a finance company that will not charge you ridiculous interest rates. I had a capital one auto finance loan back in 2000 and it served it's purpose. I had challenging credit, and Capital One Auto Finance is the only finance company that would loan me ...Show More
PA
Prabhat A.
Feb 25, 2022
May or may not recommend
One of the worst service I have ever had with capital one.
I requested “letter of permission” and Tr 42 form for my registration of car in new state from January 2022 to feb 24 2022. I used to call then Every 2 weeks but every times I call them they will say it will take 7-10 days to receive my documents but I never received docs in my mail. ...Show More
Myrna S.
Feb 4, 2022
May or may not recommend
dont do business with this company if u want to get a vehicle. from texas moved to ohio. i cant get my registration since last september 2021 until now almost everyweek follow up calling them to get my title that they have to send it to dmv ohio sandusky. paying everymonth for my temporary registration. customer service is a joke. this company is incompetent for fixing my title to send ...Show More
LM
Lisa M.
Aug 18, 2021
May or may not recommend
We were on a low interest rate and 12 months plan then the app changed and now they're saying were on a four year plan with 29% interest rate and now we tell them to come get the car and they say were stuck with it
RM
Robert M.
Mar 30, 2021
May or may not recommend
Lies and misinformation and staff that evidently deliberate misinform causing major finacial problems.
RT
R. T.
Mar 3, 2021
May or may not recommend
Payments sent out in plenty of time but not received into their system on time. Calls put on hold for 15 minutes. Almost impossible to get through to them. Calls go over seas and very hard to understand responses at times. Just a complete failure as far as customer service goes.
PC
Paul C.
Sep 21, 2020
May or may not recommend
During Covid Capital One Auto Finance agreed to accept partial payment for about four months. I owed about $550 per payment. I paid $300 each month and then paid off the entire loan. They rewarded me with a 120 day late mark on my credit. The customer service department flat out lied to me about listing me late. As a matter of fact if you ...Show More
SB
Sabrina B.
Sep 12, 2020
May or may not recommend
Was placed in a situation where I absolutely had to buy a vehicle, and Capital One very much took advantage of that. The interest rate on my vehicle is maxed at the legal limit. I have most certainly paid more in interest than what I even financed the car for. This vehicle is so upside down on the loan I can't get rid of it. The terms of the loan ...Show More
ME
Michael E.
Jun 1, 2020
May or may not recommend
Denied credit which Chrysler Capital instantly approved, thank you Chrysler Capital.
DK
Diana K.
May 26, 2020
May or may not recommend
got great auto loan at interest rate that saved me money- got my new car paid off early
U
Anonymous
Jan 31, 2020
May or may not recommend
They are terrible dropped my score by 30 points saying I was short on a payment by $20 dollars! But was never informed of that amount. Will never do business with them again.
Anita W.
Oct 28, 2019
May or may not recommend
They ask for stipulations for approval you send them in and they still don’t find the loan they approved. Make the dealer and the customer jump through hoops. Horrible funding department that doesn’t do their job and looks for any reason to not fund a loan.
Jacqueline N.
Sep 30, 2019
May or may not recommend
They have worked with me since February when I lost my good paying job due to circumstances. They’ve helped me to be able to catch up on an arrangement. They’ve gone above and beyond
MM
Melinda M G.
Sep 26, 2019
May or may not recommend
They have missing payments they took from my bank account, they don’t seem to care paid off a 6 year car loan. They report closed not paid. My credit score went down 67 points. I got a PIF letter that said congratulations. They are the worst at reporting. Sending my complaints with proof to the ATG !!!!!!!!
JB
Jeanmaire B.
Sep 18, 2019
May or may not recommend
Love this Company. Anytime I have a question they are so polite and helpful. They also show respect and professionalism which is so welcomed . Not all Companies are like Capital One .
MF
Matthew F.
Aug 30, 2019
May or may not recommend
They Suck over 3 hours total today on hold trying to talk to someone Stay Away
EB
E B.
Aug 23, 2019
May or may not recommend
Paid off a car loan early. They sure don't like you to do that! They have forced us to jump through a hundred hoops. 11 calls. Spoke to multiple depts. including the Title/Closed Loans Dept. They have asked invasive personal questions about why we want to pay off the car?!!! They only provided a letter and are refusing to provide the legally required Notarized Lien ...Show More
KH
Kimberly H.
Aug 18, 2019
May or may not recommend
I would not recommend to anyone. Customer service can't speak clear English and they are not very familiar with the way you Should speak professionally to the customers that help pay their wages!! Unacceptable!
Millicent M.
Aug 10, 2019
May or may not recommend
I financed two car loans I'm paying off principal on one and the pay off was exactly what I owed if I had paid it off over 5 yrs. The other loan if I paid off early is only gonna save me a couple thousand. I bought them both about 3 months apart in August of last year. When I starting paying principal payments on one then my balance on ...Show More
Showing 20 of 41 reviews
2 other reviews that are currently hiddenOther Services by Capital One
Business Loans
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Investment Advisors
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Budgeting Apps
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Auto Loan Refinancing
Rating not yet determined (1 Review)