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Capital One

Capital One 2023 Auto loan review Published 2023-01-01 00:00:00

Written by Allison Martin Written by

Allison Martin’s work started over 10 years ago as a digital media strategist, and she’s since published in numerous prestigious financial outlets including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to take control of their finances by providing concise, well-researched and well-edited facts that break down complex topics into manageable bites.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering interactive tools and financial calculators that provide objective and original content. This allows you to conduct your own research and evaluate information for no cost and help you make financial decisions with confidence. Bankrate has partnerships with issuers such as, but not restricted 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 this site, including the sequence in which they appear in the listing categories in the event that they are not permitted by law for our mortgage, home equity, and other home loan products. This compensation, however, does affect the information we publish, or the reviews that you see on this site. We do not contain the entire universe of businesses or financial deals that may be accessible to you.

About our reviews . Editorial disclosure: All reviews are prepared by staff. The opinions expressed are solely those of the reviewer , and have not been reviewed or accepted by any advertiser. The information, including rates and fees provided in the review is accurate up to the date when the review first appeared. Look over the information on the right, and the lender’s site for the most current details.

At a glance 4.0 Rating 4 stars out five

Bankrate Score

Rating of Availability 4 stars out of 5

Cost of Affordability: 3.2 stars out of five

Customer Experience Rating: 4.6 stars out of five

Transparency Rating: 4 5 stars.

Find out about auto loan rates

About Capital One Loan amount of $4,000 to $75,000

Min. credit score Not specified

APR from Not specified

Funds are available as soon as the same day

Pros and pros and Capital One auto loans While there are perks to Capital One auto loans, there are downsides to keep in mind.

PROS Prequalification Available

Personalized financing options

Credit score not necessary

CONS Two applications required

Cars are only permitted from authorized dealerships

Not available in all states.

Capital One offers auto loans for new and used car purchases. The entire loan procedure is conducted via the internet using the Auto Navigator. You can check out the real rates and monthly payment quotes on specific vehicles that are available for sale through participating dealers. Refinancing is also available however your caras well as your current loan — will need to meet certain requirements in order to be eligible.

Do you qualify? If you’re buying a pre-owned vehicle, the amount that you want to finance must be at least $4,000 , and the vehicle must not be more than 10 years, or exceed 120,000 miles. To refinance, your current loan amount must be at least $7,500 and be able to last for 12 months. Your car must also have less than 10 years of age -although there’s no maximum mileage — and your current loan servicer can’t have to be Capital One. If you have a vehicle that’s no longer being manufactured, it’s ineligible for refinancing. We like it and what don’t like here are some of the benefits and drawbacks that come with Capital One auto loans. What we like : Get prequalified. You can use an Auto Navigator to prequalify in minutes with no hard pull on your credit. Personalized financing options. The app on mobile allows you to see the monthly payments and interest rate on specific automobiles. No credit score is required. Capital One may approve you for an auto loan with low credit scores, however, you’ll have to pay more interest. We do not like the fact that two applicants are necessary. You must complete a credit application when you get to the dealership, even if you already have been approved with Capital One. The only exception is cars that are approved by Capital One dealerships. You are only permitted to finance vehicles from dealerships that are affiliated together with Capital One. Not available in all states. The auto loans are not available for residents from Alaska or Hawaii. How do I contact Capital One Support from Capital One is accessible via telephone or via chat online. Representatives are accessible Monday through Friday between 9 a.m. until 9 p.m. ET on Saturdays between 10 a.m. until 7 p.m. ET.

Auto loan kinds offered Capital One offers financing for used and new cars as well as auto refinance loans.

New and used automobile loans

Loan quick facts Amounts: $4,000 or more Terms 24-84 months APR: Not stated

Capital One offers financing for new and used car purchases at over 12,000 participating dealerships. You can apply online to prequalify and find out what terms you’re eligible for before you begin shopping for the perfect ride. In addition you can use the Auto Navigator lets you adjust conditions to make a car loan that fits your budget.If you’re planning on purchasing a used vehicle the vehicle must be under 120,000 miles and within the 10 model years. Certain exceptions apply, but you will need to discuss your car selection directly to Capital One. Refinance

Loan quick facts Amounts: $4,000 to $75,000 Terms: 24 to 84 months APR: Not specified

Auto loan refinancing with Capital One is ideal if you want to lower the monthly payment or your APR. Both options can help you save money, whether per month or over time when you are working toward paying off your auto loan. Refinancing is also possible through Capital One to reduce your loan time and make payments on your auto loan more quickly. How to apply for a loan with Capital One You can start the process by obtaining prequalified, without a credit pull. If you are preapproved, you’ll be able to view the monthly payments and the interest rates on specific cars you’re considering. You will also have the option of changing the loan period or down payment to make an arrangement that is suitable for you. The next step is to go to the dealer and fill out the credit application. Capital One will pull your credit report and score to give you a final approval. The final step is to upload all requested documents and electronically sign the contract to confirm the deal.

Documentation required for the application Copy of your driver’s license Evidence of residency Evidence of income

Which Bankrate Rates Capital One

Overall score

4

Availability

4

Minimum loan amounts that Capital One offers Capital One are fairly middle of the road, but it has a number of choices for repayment terms and has wide state availability.

Affordability

3.2

Captial One’s minimum or maximum APRs don’t exist as of yet, and it doesn’t offer a discount for autopay.

Customer experience

4.6

Prequalification rates are valid for 30 days, in addition, Capital One offers an online chat option after you have signed up. The company also offers an app and customer service is available all hours of the day.

Transparency

4

While it does offer an initial prequalification process, Captial One doesn’t offer an APR in full prior to you handing over your information.

Methodology Bankrate considers 18 data points when rating auto loan lenders. Criteria for acceptance, whether fees and rates are accessible and APR range all influence lender scores. The scores are divided into 4 categories. Availability: Loan amounts, repayment options, dealership requirements and state availability all contribute to this category. Affordability: This section contains APR ranges, acceptance criteria, fees and discounts. Customer experience: How long you’ll have to wait to buy for, the customer service hours as well as whether an app is available and autopay payment options are all accounted for within this category. Transparency: This section accounts for the accessibility of rates and fees along with whether or not prequalification is offered.

Disclosure of author The reviews are written by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer , and are not reviewed or acknowledged by any advertiser. The information that is included, including rates and fees that are included 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 current details.

Written by

Allison Martin

Allison Martin’s work started over 10 years ago as a digital media strategist. Since then, she’s been featured in a variety of top financial 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 gain the confidence to control their finances with clear, well-researched data that breaks otherwise complex topics into manageable bites.

Auto loans editor

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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on specific links on our site. This compensation could affect the way, location and in what order products appear within listing categories in the event that they are not permitted by law for our mortgage, home equity and other home lending products. Other factors, such as our own rules for our website and whether or not a product is offered in the area you reside in or is within your own personal credit score could also affect how and where products appear on this website. We strive to offer the most diverse selection of products, Bankrate does not include details about each financial or credit item or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |

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