Basic requirements to qualify for our refinancing program include the following:
Vehicles must be 10 years old or newer.
Payoff amount on your current auto loan must be between $7,500 and $50,000. Your maximum loan amount may be based on your income, key credit characteristics, and the vehicle you are refinancing.
Your current loan must not be with Capital One Auto Finance.
Your current lender must be 1) currently reporting your loan to a major credit bureau, 2) FDIC or NCUA insured, or 3) both Better Business Bureau Accredited and a state registered lender or state registered auto dealer. Most banks, credit unions, and larger auto finance companies meet these requirements.
At least one applicant/co-applicant must be listed as a registered owner on the vehicle title.
You must be up to date on payments for both your existing loan and if applicable, your mortgage loan.
Capital One finances new and used cars, light trucks, minivans, and SUVs that will be used for personal use.
Capital One does not refinance vehicle makes no longer in production (such as Suzuki or Isuzu), commercial vehicles, motorcycles, recreational vehicles (RVs), ATVs, boats, camper vans, motor homes, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buyback (alternatively referred to as a lemon) vehicles, salvage title vehicles, branded title vehicles, lease buyouts or vehicles without a Vehicle Identification Number (VIN) or title issued. We may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us.
If you have questions about or updates to the information you submitted on your pre-qualification request, or would like to update information, please contact us by calling a Customer Service Representative at 1.800.689.1789 during our business hours which are Mon. - Fri. 9 a.m. – 9 p.m. ET and Sat. 10 a.m. – 7 p.m. ET.
Your pre-qualification offer comes into play after you choose which vehicle you want at the dealership. You will be asked to complete a credit application for the selected vehicle. This allows the dealer to find financing for you and can help locate your Auto Navigator pre-qualification offer. Knowing your terms in advance allows you to take control of your financing decision. If the dealer offers you financing from another lender, you can compare the terms with those in your Auto Navigator pre-qualification.
To complete your vehicle purchase using your offer, you will sign a retail installment contract with the dealer as the original creditor. The retail installment contract will include your purchase and financing terms and will be assigned by the dealer to the lender you've chosen.
If you received an offer via mail or email for Capital One pre-approved/pre-selected financing at a specific dealer, that offer can only be used at the listed dealer. For any questions you may have, please refer to the details contained in your offer or click here
Have questions about your money? We’re here to help.
In today’s world, banking online means more ways to connect. It’s about getting answers when you need them and talking to people who’ll listen. Just call, click or come in.
GET IN TOUCH
Connect in person
Talk through your questions at one of our Capital One Cafés or branches.
Support Center
Browse by bank topics, popular topics or search with your own terms.
Talk to a human
Need to talk? Call us any day of the week from 8 a.m. to 11 p.m. EST.
WHAT OUR CUSTOMERS ARE SAYING
“If you do ever have an issue...customer service is always there at the touch of a button, willing to do whatever it takes to take care of your financial needs.”
Luke K., Tennessee, Illinois
“If you do ever have an issue...customer service is always there at the touch of a button, willing to do whatever it takes to take care of your financial needs.”
Luke K., Tennessee, Illinois
Find a Capital One Café or bank branch near you.
Personal finance should be, well, personal. That’s why we invite you to stop by and talk about your banking needs. Locate a Capital One Café or bank branch nearest you (not to mention one of our 70,000+ Capital One and partner ATMs).
Article | October 7, 2021 | 4 min read
Article | September 23, 2021 | 7 min read