Capital One does, in fact, offer auto refinancing. Car loans from Capital One Auto are available with terms ranging from 36 to 72 months. Capital One Auto Finance does not require an initial hard credit inquiry. This means you can pre-qualify for a refinance without affecting your credit score. Capital One Auto Finance may be available to applicants with credit scores ranging from 550 to 850. The eligibility age is 18 or the state minimum, whichever is higher. Applicants must have a minimum annual income of $18,000 or higher to qualify for auto loans with Capital One Auto Finance.