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Capitalone

Capital One

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Pros
  • Easy prequalification process
  • Competitive interest rates
  • Personalized financing options
  • No application fee
Cons
  • Limited to approved dealerships
  • Not available in all states
  • Excludes certain vehicle types, ages, and brands
Summary

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.

Selling Points
  • Wide range of loan terms
  • Integrated online and mobile tools
  • Accessible for lower-income borrowers
Available Car Options
  • Undisclosed
    Used
Customer Support
  • Articles and Videos
  • Email
  • Email Support
  • FAQs
  • Help Guides
  • Undisclosed
    Live Chat
  • Phone
  • Phone Support
Eligibility (Credit Score)
  • Accepts all Credit Types
  • Undisclosed
    Doesn't Cover Bad Credit
Features
  • APRs (Annual Percentage Rate) Vary
  • Mobile Application
  • Undisclosed
    Requires Minimum Credit Score
  • Undisclosed
    Test Drive
Money-Back Guarantee
  • Undisclosed
    Yes
Multiple Financing Options
  • Undisclosed
    Lease Buyout
  • New Auto
  • Undisclosed
    Private Party
  • Refinance
  • Used Auto
Payment Options
  • Automatic Payments (ACH Transactions)
  • Cash
  • Cash Payments
  • Debit or Credit cards
  • Mailed Payments
  • Undisclosed
    Major Credit Cards
Protection
  • Undisclosed
    Extended Warranty
  • Undisclosed
    GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Return Policy
FAQs
Will an auto loan prequalification with Capital One hurt my credit score?
Is there a minimum credit score requirement for a Capital One auto loan?
How can I manage my Capital One auto loan online?
How do I make online payments for my Capital One auto loan?
Can I make extra payments towards my Capital One auto loan?
What documents do I need to apply for a Capital One auto loan?
What are the interest rates for Capital One auto loans?