Looking for a car loan that puts you in control? Capital One Auto Loans offers tools and tech that simplify your journey—from browsing cars to managing payments. With a soft-credit prequalification, you can explore rates without affecting your credit score. Capital One works with thousands of U.S. dealerships, gives you refinance options, and offers a calculator to help budget smartly.
🔍 What Makes Capital One Stand Out
- Prequalify with confidence – Get estimated rates, loan terms, and monthly payments in minutes. No hard credit pull yet
- Shop with Auto Navigator – Discover thousands of dealer-listed cars, see your prequalified options, and compare prices and payments in one place
- Credit-friendly – Accepts applicants with fair credit scores (500+), making it a solid choice even if you’re working on your credit
- Refinancing made simple – Auto refinance is available for ongoing loans on eligible vehicles 10 years or newer with amounts from $7,500 to $75,000
- Flexible loan amounts and terms – Financing starts as low as $4,000 with terms ranging from 24–84 months for purchases and structured refinance options
- No hidden fees – Prequalification comes at no cost, and you won’t be charged for applying or paying off early
🧾 What You Should Know Before Applying
- Dealership-only financing – You must purchase from a Capital One‑partnered dealer; private‑party sales aren’t supported
- Soft vs. hard credit checks – Soft pulls are used for prequalifying, and there’s no score impact—hard pulls occur during final application at the dealer
- Vehicle eligibility limits – Eligible cars must generally be less than 10 years old and under 120,000 miles; certain makes (e.g., Saab, Suzuki, Isuzu) aren’t eligible
- Proof of income required – You’ll need at least $1,500–$1,800 monthly, depending on credit, and verify your income during application
- Prequalified terms expire – Your prequalification is valid for 30 days, so you’ll want to finalize your car choice within that window
- Refinance restrictions apply – You need a qualifying vehicle and cannot refinance an existing Capital One auto loan
🚗 How the Capital One Process Works
- Prequalify online
Fill out a brief form to receive estimates on APR, loan term, and monthly payments—no impact to credit - Shop using Auto Navigator
See car listings that match your prequalified range and tweak your options while browsing - Visit a partnered dealer
Take your prequal letter and documentation (income, residence, proof of insurance) and complete the formal application - Get your official offer
The dealer submits to Capital One, which then presents final approval terms. - Sign, close & drive away
Complete financing at the dealership and walk away with your car in hand. - Refinancing (optional)
If you already have a car and qualify, check refinance offers online and complete everything electronically - Manage your loan anytime
Use Capital One’s website or app to check payment due dates, adjust AutoPay, or access loan documents.
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