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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, and she's since published in numerous prestigious 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 the end of 2021. They are committed to helping readers gain confidence to control their finances through providing precise, well-studied information that breaks down complicated topics into bite-sized pieces.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering interactive financial calculators and tools that provide objective and original content, by enabling you to conduct your own research and compare data for free and help you make sound financial decisions. Bankrate has agreements with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that appear on this site are from companies that pay us. This compensation may impact how and where products are displayed on the site, such as, for example, the sequence in which they be listed within the categories of listing in the event that they are not permitted by law. Our mortgage, home equity, and other products for home loans. However, this compensation will have no impact on the content we publish or the reviews appear on this website. We do not contain the universe of companies or financial offers that may be accessible to you.




Reviewer's disclosures Reviewers are supervised by staff. Opinions expressed therein are solely the opinions of the reviewer and have not been reviewed nor approved by any advertising company. The information, including rates and fees, presented in the review are accurate up to the date of the review. Look over the information in the upper right hand corner of the page, and the lender's site for the most up-to-date details.








At a glance 4.0 Rating: 4 stars out of 5
Bankrate Score

Availability Rating 4 stars out 5
The Affordability Score: 3.2 stars out of five
Customer Experience Rating: 4.6 stars out of five
Transparency Rating: 4 5 stars.


Check auto loan rates


Concerning Capital One's Loan amounts $4,000 to $75,000
Min. credit score not specified
APR from Not specified
Funds are available as soon as the next day.



Pros and pros and Capital One auto loans While there are some benefits for Capital One auto loans, there are also downsides to be aware of.
PROS Prequalification Available
Personalized financing options
Perfect credit not required

CONS Two applications required
Only available to vehicles from approved dealerships
Not available in all states.





Capital One offers auto loans for new and used car purchases. The entire loan process is managed via the internet using the Auto Navigator. You can view real rates and monthly payments on specific vehicles that are available to buy through dealers who are participating. Refinancing may also be available however your caror your current loan -- will have to meet certain requirements in order to be eligible.
Do you qualify? If you're buying a pre-owned vehicle, the amount that you'd like to finance should be at minimum $4,000 and the vehicle cannot be older than 10 years, or exceed 120,000 miles. If you want to refinance, the outstanding loan sum must amount to in the range of $7,500 or less and be able to last for 12 months. Your vehicle must be less than 10 years old -however there's no limit on mileage and your current loan servicer must not include Capital One. If you own a car which is no longer in production or sold, it's not eligible for refinancing. Our favorite things and what we don't like here are some advantages and disadvantages associated with Capital One auto loans. What we like : Get prequalified. You can utilize auto Navigator to be prequalified in a matter of minutes without a hard pull to your credit. Flexible financing options for you. The app on mobile allows you to view the monthly payment as well as the interest rate on specific automobiles. Credit score of 0 is not necessary. Capital One may approve you for an auto loan with less credit score but you can expect to pay more interest. What we don't like Two application forms are needed. You need to complete an application for credit when you arrive at the dealership even if you already have been approved with Capital One. Limited to cars from approved dealerships. You can only finance vehicles from dealerships that are affiliated in conjunction with Capital One. It is not available to all states. The auto loans are not offered only to those who reside in Alaska as well as Hawaii. How to contact Capital One Support from Capital One is accessible by telephone or via chat online. Representatives are available from Monday to Friday from 9 a.m. until 9 p.m. ET on Saturdays from 10 a.m. until 7 p.m. ET.
Auto loan types available Capital One offers financing for used and new vehicles in addition to auto refinance loans.
Used and new auto loans
The loan's quick facts include of $4,000 or more. Terms: 24 to 84 months APR: not specified


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 perfect ride. In addition you can use Auto Navigator Auto Navigator lets you adjust conditions to make a car loan that fits your budget.If you plan on buying an older vehicle that has under 120,000 miles, and be within 10 model years. There are some exceptions, however you must discuss your choice of vehicle directly 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 want to lower your monthly payments or the APR. Both options will help you save money, whether in the long run or monthly, when you are working toward paying off your auto loan. You may also refinance with Capital One to cut down the loan duration and pay off your auto loan more quickly. How do you apply for a loan with Capital One You can start your application by being prequalified, without a credit check. If you're preapproved, you can view the monthly installment and interest rate for the specific car you're thinking of buying. You will also have the luxury of changing the loan term or down payment in order to come up with an arrangement that is suitable for you. Next, go to the dealer and fill out an application for credit. Capital One will pull your credit report and score in order to issue an approval. The last step is to upload the requested documents and electronically sign your contract to sign the contract.
The information required for application must be included. Copy of your current driver's licence Residence proof Evidence of income


Which Bankrate rates Capital One
Overall score
4
Availability
4
The minimum loan amounts that Capital One offers Capital One are fairly middle of the road, but Capital One offers many repayment options and has wide state availability.
Affordability
3.2
Captial One's minimum and maximum APRs aren't listed as of yet, and it doesn't offer a discount for autopay.
Customer experience
4.6
Rates for Prequalification last for 30 calendar days, as well. Capital One offers an online chat function after you have signed up. It also has an app, and customer service is accessible six days a week.
Transparency
4
While it does provide an initial prequalification process, Captial One doesn't offer an APR in full prior to you handing over your personal information.


Methodology Bankrate considers 18 data points when rating auto loan lenders. Acceptance criteria, whether fees and rates are accessible and the range of APR all impact lender scores. These scores are broken up into 4 categories. Accessibility: Loan amounts as well as repayment options, dealer requirements and state availability all make up this category. Accessibility: This section includes APR ranges, acceptance criteria, fees and discounts. Customer experience: How long you have to shop for, the customer service hours, whether there's an app and autopay availability are accounted for by this segment. Transparency: This category is responsible for the accessibility of rates and fees as well as whether prequalification is available.
Disclosure of author The reviews are written 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 such as rates and charges provided in the review is accurate as of the date of the review. Look over the information in the upper right hand corner of the page, and the lender's site for the most current information.




Written by
Allison Martin


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

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers to manage their finances by providing precise, well-researched and well-organized facts that break down complicated topics into bite-sized pieces.






Auto loans editor










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