Capital One | Auto Loan

4.1

Capital One helps car shoppers find and finance new or used cars in one place, and also offers auto loan refinancing.

Loan Details

Loan Amount Starting at $4,000
APR From As low as 5.08%
Min Credit Score Not Specified

Rates by Type

	New/Used Car Loans	Refinancing
APR	Starting at 5.83%	Starting at 6.88%
Loan Amounts	From $5,000	From $5,000
Loan Terms	12-60 months	12-72 months

Disclaimer: We are an independent information site, not an insurance company. All figures are estimates for comparison only; table data represents full coverage premiums. Please verify final quotes and terms directly with the insurer.

Pros & Cons

Pros

Check rates with a brief soft form.
Browse cars and prequalify on mobile.
Low $1,500 monthly income needed.

Cons

Qualification requirements are not publicly listed.
Loans are limited to approved dealerships.
Auto loans are unavailable in Alaska and Hawaii.

Eligibility

Capital One only provides part of its auto loan requirements online. You will need to:

Earn at least $1,500 per month.
Be at least 18 years old.
Have an address in a state that is eligible.

Application

Apply Now

It is important to get prequalified before applying so you can review your rates, terms, and estimated payments. Your prequalification remains valid for 30 days, giving you enough time to find the right car.

1. Find a car using Auto Navigator

Because Capital One auto loans can only be used at eligible dealerships, you will need to use Auto Navigator to search for your next vehicle.

2. Visit the dealership

Next, visit the dealership and take the car for a test drive. If you decide to move forward, complete a credit application. Capital One will review your credit report and score before making a final approval decision.