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Capital One
Capital One: 2023 Auto loan review published 2023-01-01 at 00:00:00.
Written by Allison Martin Written by

Allison Martin's career began more than 10 years ago as a digital content strategist. Since then, she's been published in several leading financial media outlets such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to control their finances by providing clear, well-researched information that breaks down otherwise complex subjects into digestible pieces.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free to help you make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site come from companies who pay us. This compensation can affect the way and where products appear on this site, including the sequence in which they appear in the listing categories, except where prohibited by law for our loan products, such as mortgages and home equity and other home loan products. This compensation, however, does have no impact on the information we provide, or the reviews that appear on this website. We do not cover the vast array of companies or financial deals that may be accessible to you.




Reviewer's disclosures Reviewers are supervised by staff. The opinions expressed are solely those of the reviewer , and have not been reviewed nor acknowledged by any advertiser. The information, including rates and fees provided in the review is accurate up to the date that the review was written. Review the information at the top of this page as well as the lender's site for the most current information.








A glance 4.0 Rating 4 stars out of 5
Bankrate Score

Rating of Availability 4 stars out 5
Affordability Rating: 3.2 stars out of five
The Customer Service Rating is 4.6 5 stars from 5
Transparency Rating: 4 stars out of 5


Find out about auto loan rates


About Capital One Loan amount $4,000 to $75,000
Min. credit score Not specified
APR starting from not specified
Funds are available as soon as the same day



Pros and cons of Capital One auto loans While there are perks for Capital One auto loans, there are some disadvantages to keep in mind.
PROS Prequalification Available
Financing options that are customized
Credit score not necessary

CONS Two applications must be submitted
Limited to cars from approved dealerships
Not available in all states





Capital One offers auto loans to finance new and used vehicle purchases. The entire loan procedure is conducted online through the Auto Navigator. You can check out the real rates and monthly payment quotes on specific cars available to purchase through dealers who are participating. Refinancing may also be available however your car- and your current loan -- will need to meet a few requirements for you to be eligible.
Do you qualify? If you're buying a used vehicle, the amount you'd like to finance has to be at least $4,000 , and the car must not be older than 10 years, or exceed 120,000 miles. If you want to refinance, the outstanding loan total must have in the range of $7,500 or less and be able to last for 12 months. Your car must also not be older than 10 years -- though there is no maximum mileage and your current loan servicer must not have to be Capital One. If you have a vehicle which is no longer in production and is not eligible for refinancing, it's not eligible. Our favorite things and what we don't like Here are some of the advantages and drawbacks that come with Capital One car loans. We like the fact that you can get prequalified. You can use auto Navigator to prequalify in minutes with no hard pull to your credit. Flexible financing options for you. The app on mobile allows you to view the monthly payments and rate of interest on certain vehicles. No credit score is required. Capital One may approve you for an auto loan with a lower credit score, however, you will pay more interest. We don't like that two application forms are needed. You must complete a credit application when you arrive at the dealership, even if you have already been preapproved by Capital One. Only available to vehicles from approved dealerships. You are only permitted to finance vehicles from dealerships that are affiliated together with Capital One. It is not available to all states. Auto loans are not available to residents of Alaska or Hawaii. Contact information for Capital One Support from Capital One is accessible by phone or online chat. Representatives are available from Monday to Friday, from 9 a.m. to 9 p.m. ET, and Saturday from 10 a.m. to 7 p.m. ET.
Auto loan types available Capital One offers financing for used and new vehicles and automobile refinance loans.
New and used auto loans
Loan quick facts Amounts: $4,000 or more Terms are 24 to 84 months APR: Not stated


Capital One offers financing for new and used cars at over 12,000 participating dealerships. You can prequalify online and know what terms you're eligible to receive before you begin shopping for the ideal car. Furthermore you can use the Auto Navigator lets you adjust conditions to make a car loan that works for your budget.If you are planning to purchase an older vehicle the vehicle must be under 120,000 miles and be within 10 model years. Some exceptions are allowed, but you'll need to discuss your choice of vehicle direct in conjunction with Capital One. Refinance
Loan quick facts Amounts: $4,000 to $75,000 Terms: 24 to 84 months APR: Not stated


Auto loan refinancing through Capital One is ideal if you are looking to reduce your monthly payments or your APR. Both options will allow you to save money either in the long run or monthly, as you work toward paying off your auto loan. Refinancing is also possible through Capital One to cut down your loan term and pay off your auto loan more quickly. How to apply for a loan with Capital One You can start your application by getting prequalified, without a credit pull. If you are preapproved, you'll be able to view the monthly payments and the interest rates on the cars you're interested in. You also have the option of changing the loan duration or down payment to make a deal that works for you. Next, visit the dealer and fill out a credit application. Capital One will pull your credit report and score in order to issue a final approval. The final step is to upload all required documents and then e-sign the contract to confirm the deal.
Documentation required for the application Copy of your current driver's licence Evidence of residency Proof of income


Which Bankrate Rates Capital One
Overall score
4
Accessibility
4
Capital One's minimum loan amounts provided by Capital One are fairly middle of the road, but it offers a variety of options for repayment terms and has wide state availability.
Affordability
3.2
Captial One's minimum and maximal APRs don't exist and the site doesn't mention a discount for autopay.
Customer experience
4.6
The rates for prequalification are good for 30 days, as well. Capital One offers an online chat feature when you sign up. There is also an app, and customer service is available all hours of the day.
Transparency
4
Although it offers prequalification, Captial One doesn't offer an APR in full before you hand over your information.


Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Acceptance criteria, whether fees and rates are offered and the APR range all affect lender scores. The scores are divided into 4 categories. Accessibility: Loan amounts and repayment options, dealership requirements and state availability all make up this section. Affordability: This section contains APR ranges and acceptance criteria, as well as fees and discounts. Customer experience: The length of time you'll have to wait to buy and the availability of customer service as well as whether an app is available and availability of autopay are all taken care in this section. Transparency: This category accounts for the accessibility of rates and fees along with whether prequalification is available.
Disclosure of author Reviewers are supervised by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information that is included, including rates and fees provided in the review is correct as of the date of the review. Review the data on the right, and the lender's site for the most recent information.




Written by
Allison Martin


Allison Martin's work started over 10 years ago as a digital content strategist. Since then, she's been published in several leading financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.
Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers feel confident to control their finances through providing clear, well-researched facts that break down complex topics into manageable bites.






Auto loans editor










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