Capital One
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- Easy prequalification process
- Competitive interest rates
- Personalized financing options
- No application fee
- Limited to approved dealerships
- Not available in all states
- Excludes certain vehicle types, ages, and brands
Capital One, founded in 1994, is a major player in the auto loan industry, offering competitive financing options, flexible terms, and easy online application processes for new and used vehicles. They serve millions of customers across the United States and provide auto loans for new and used cars, as well as refinancing options. Through their Auto Navigator tool, customers can pre-qualify for financing without affecting their credit score and explore various loan options. Loan amounts start at $4,000, with terms spanning from 24 to 84 months. Additionally, they offer educational resources to guide customers through the loan process. Capital One has a mixed reputation in the industry but receives an A+ rating with the BBB. They recently settled a $16 million class-action lawsuit over improperly charged proxy fees. This doesn't involve their auto loan services. They receive mixed reviews, so consider all your options before using their services.
- Loan Terms : Range between 24 and 84 months
- Minimum Accepted Credit Score : Undisclosed
- APR : Undisclosed (may be as low as 6.49%)
- BBB Rating : A+
- Wide range of loan terms
- Integrated online and mobile tools
- Accessible for lower-income borrowers
- Lease Buyout
- Loan Refinancing
- New Vehicle
- Private Party
- Used Vehicle
- Extended Warranty
- GAP Insurance
- Limited Warranty
- Mobile Application
- Online Account Management
- Return Policy
- Hard Credit Check
- Income
- Minimum Credit Score
- Pre-qualification With Soft Check
- Documentation/Processing Fee
- Late Payment Fees
- Origination Fee
- Prepayment Penalties
- Title Transfer Fee
- Upfront or Application Fees
- Automatic Payments
- Cash—Undisclosed
- Check
- Debit or Credit Cards
- In-Person Payments—Undisclosed
- Mail-In Payments
- Online Payments
- Phone Payments
- Articles and Videos
- FAQs
- Help Guides
- Live Chat
- Phone