Credit Cards Checking & Savings Auto Business Commercial Learn & Grow Sign In New and Used Auto Financing See if you pre-qualify with no impact to your credit score. Get Pre-Qualified Learn More What Would You Like To Do? Search Cars Finance a Car Enter Pre-Approval Code Refinance a Car Get Help "Great experience and highly recommend to get pre-qualified before heading to the dealership!" ★★★★★ Yamimtz143 Auto Financing Customer Finance Your Next Car With Auto Navigator® Looking to finance a new or used car? See if you pre-qualify for financing in minutes with no impact to your credit score. Plus, know your estimated financing terms before heading to a participating dealer. No risk to your credit score Get Pre-Qualified Have more questions? Learn More "I'm getting a better APR, a lower payment, and a great company to work with." ★★★★★ Boubacar Auto Refinance Customer Start Saving By Refinancing Your Auto Loan On average, our customers save $75 per month1 by refinancing their auto loan. It's easy to see if you can start saving with no impact to your credit score. Get Pre-Qualified Have more questions? Learn More Help Center Auto Loan Calculators Calculate your estimated monthly payment or loan amount to find what works best for you. Frequently Asked Questions Search frequently asked questions about Auto Navigator. Find an Eligible Dealer Our network of over 13,000 eligible dealers means you have lots of brands and cars to choose from. Did You Receive a Pre-Approval Code? Enter Pre-Approval Code See Your Offer Summary Sign in to see the latest with your Auto Navigator or refinance offer. Auto Navigator Status Refinance Status Visit Our Learning Center Learn about financing, loan extensions, and much more. Visit Auto Learning Center Important Disclosures and Requirements + Show All Auto Navigator Important Disclosures and Requirements How Auto Navigator Works Pre-qualification for Auto Financing: Prior to visiting a participating dealer, submitting a request to pre-qualify for auto financing will allow for a review to determine whether you pre-qualify. But don’t worry, it won’t impact your credit score. If you pre-qualify, you will be able to see your monthly payments, APRs, and offers for vehicles you may be considering. Finding Your Car: Auto Navigator provides participating dealers' advertised inventory to help you search and save your favorites to find the car that works best for your budget and lifestyle. And although we can't guarantee that participating dealers display all of the vehicles they have available for sale, you can still use your pre-qualification at any participating dealers. Don't forget, your pre-qualification can only be used to buy one, personal-use vehicle. Inventory availability is subject to change without notice. Personalizing Your Offer: Adjust things like your down payment, term length, and more to build the deal that's right for you. Remember, you can use your mobile phone to configure pre-qualified financing for vehicles you're considering and compare your options at the dealer. Purchasing at a Participating Dealer: When you visit a participating dealer, show them your Auto Navigator pre-qualification offer for the vehicle you would like to finance. When available, before visiting the dealer, you can provide the dealer with your most up-to-date personal, contact, residence, income, and employment information, as well as your proposed financing terms, pre-qualification status, information about the vehicle you may be interested in financing, and saved cars at that dealer by using the 'Check Availability' button (this feature is not available for all dealers and is not a required step). If you choose to do so, you'll also let the dealer know your preferred method of communication so the dealer may contact you to discuss next steps. When you arrive at the dealership, you can test drive the car, and you will fill out a credit application and provide any information needed for review to complete your financing. A credit application at the dealer will result in one or more inquiries posted to your credit file. After negotiating purchase terms and receiving dealer credit approval, you will sign a contract with the dealer reflecting both your purchase and financing terms. Your purchase will result in a retail installment contract with the dealer as the original creditor. Capital One Auto Finance Restrictions and Important Information Customer's Age, State, and Income Restrictions: To pre-qualify, you must be at least 18 years old and have a valid street address within the contiguous United States. A valid APO/FPO address also works. Auto Navigator is not available to residents of Alaska or Hawaii and Post Office Box addresses can't be used as the address on your pre-qualification request. Minimum monthly income required is $1,500 or $1,800, depending on your credit qualifications. Also, any existing Capital One accounts must be in good standing (meaning not over limit, past due, or delinquent). Pre-qualification Offers: Pre-qualification does not guarantee that you'll receive financing or any particular financing terms, which are subject to change based on Capital One's evaluation of your credit application submitted at the dealer and any required documents, and may vary depending on the dealership selling the vehicle(s) you're interested in financing. Your Capital One pre-qualification expires 30 days from the date your request for pre-qualification is received. If you've recently applied for and funded another loan with Capital One Auto Finance, you may no longer be eligible to get a new loan with your Capital One Auto Finance pre-qualification. Any other financing offers are subject to the terms of the offering party. APR: APR is the Annual Percentage Rate. Pre-qualified financing terms depend on the individual's credit and key financing characteristics, including but not limited to the amount financed, term, loan-to-value (LTV) ratio, down payment amount, and vehicle characteristics, and may vary depending on the dealership selling the vehicle(s) you may be interested in financing. Here's a representative example of payment terms: a $1,000 down payment, an amount financed of $27,000 with an APR of 10.00%, and a term of 72 months would have a monthly payment of $500.20. Advertised APRs shown are current as of March 3, 2020. Also, down payment, rebate, or trade-in is required in some situations to complete purchase. Advertised and pre-qualified rates and financing terms are subject to change without notice. Your actual APR will be based on your specific situation. Vehicle Type Restrictions: Your Capital One pre-qualification can only be used at participating dealers, but don't worry, there are plenty to choose from. Here's what is required to finance a vehicle: A new or used car, light truck, minivan, or SUV for personal use The vehicle must have fewer than 120,000 miles and its model year must be within the last 10 years. In some instances, an older model year or higher mileage vehicle (up to 150,000 miles) may be eligible. We want you to find a vehicle you really love, but Capital One Auto Finance doesn't finance certain vehicle makes including but not limited to, Oldsmobile, Daewoo, Saab, Suzuki, or Isuzu vehicles. We don't offer financing for commercial vehicles, motorcycles, recreational vehicles (RVs), ATVs, boats, camper vans, motor homes, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buy back (also referred to as a lemon), branded title vehicles, 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. Amount Financed Restrictions: For new and used vehicles, the minimum amount financed is $4,000. The amount you're pre-qualified up to is based on your income, key credit characteristics, the vehicle you're purchasing, the specific dealership you're purchasing the vehicle from, and/or the details of the financing deal, like whether you trade in a vehicle. This amount is also subject to verification of the personal income you put on your request for pre-qualification. The amount financed may include the dealer advertised price, tax, title, licensing fees, dealer fees, and any optional products, like service contract and/or extended warranty, that you choose to purchase from the dealer. Capital One Auto Finance may not provide financing for all optional products offered by a participating dealer. Participating Dealer Requirements: Capital One Auto Finance provides financing for new and used vehicles purchased from participating dealers listed on Auto Navigator. Participating dealers are subject to change. Also, we don't offer financing for vehicles purchased from non-participating dealers, auto brokers, or private party sellers. Participating Lender Restrictions Eligibility for Participating Lenders: Eligibility for auto financing pre-qualification from participating lenders is determined by the information you submitted, along with the personal credit profile from credit reporting agencies that is obtained by Capital One through your Auto Navigator pre-qualification request. You may not be eligible to submit a request for pre-qualification to participating lenders; so if you're not eligible, you won't see an option to do so. Participating lenders may have their own eligibility restrictions, such as requiring that you be at least 18 years of age, live within the contiguous United States, meet minimum income requirements, and purchase a vehicle for personal use that meets their specified year, make, model, and/or mileage restrictions. Pre-qualification Offers: Pre-qualification does not guarantee that you'll receive financing or any particular financing terms, which are subject to change based on the participating lender's evaluation of your credit application submitted at the dealer and any required documents, and may vary depending on the dealership selling the vehicle(s) you're interested in financing. The expiration of your pre-qualification is subject to the lender's terms and may be different from Capital One's. If you pre-qualified for auto financing with a participating lender and don't see that pre-qualification when you log into your Auto Navigator account, you may access your pre-qualification at the website where you submitted that pre-qualification request. Some participating lenders may have membership eligibility requirements, and some may pay Capital One if you finance with them. Participating Dealer Requirements: Participating lenders provide financing for new and used vehicles purchased from participating dealers, and those dealers are subject to change, and may vary by participating lender. Auto Navigator Product Terms and Disclosures Pre-Qualified Auto Financing Terms: Your pre-qualified auto financing terms, including monthly payment and Annual Percentage Rate (APR), aren't final until your financing is completed at a participating dealer with the lender offering auto financing. These pre-qualified auto financing terms are based on information you provide and might change if you update any information on the Auto Navigator website, with a participating lender, or at the dealer. Capital One and participating lenders do not guarantee that the dealer will provide you with all terms outlined in your pre-qualification offer. Terms online are provided based on common monthly increments, but other terms may be available at the dealership when purchasing the vehicle. Not everyone qualifies for each of these term lengths though. Ratings and Reviews: We love hearing what our customers have to say about Auto Navigator. And all of our customer reviews are submitted by validated Capital One customers who purchased vehicles using Auto Navigator. Some product ratings and reviews may be from customers with different versions of the product displayed above. Third Party Information: Capital One uses third party information, otherwise available, to help make your auto financing experience better. Third party information includes, but is not limited to, trade-in values, car images, dealer reported mileage, fuel economy, dealer advertised price and car details, and car history reports. Remember, third parties, including the dealer, provide this information and Capital One doesn't sell vehicles, doesn't sell any optional products, and doesn't make any express or implied representations or warranties with respect to the accuracy of the third party information. You should verify the accuracy of any third party information on your own. All trademarks are the property of their respective owners. Vehicle images may not be representative of the dealer advertised vehicle. Cars are subject to prior sale so there's a possibility that some cars may have already been sold. Availability should be confirmed with the dealer. Dealer advertised prices are subject to change without notice. Dealer advertised prices may be negotiable and may not include tax, title, license, and other fees charged by the dealer. Other fees may also include, but are not limited to, document fees, dealer preparation fees, and delivery charges. You should verify with the dealer what's included in the dealer advertised price. We also provide a historical estimate of tax, title, and license fees to show you how they impact your financing terms. Any available car history reports are provided by CarFax®. You can visit the CarFax® website for additional information on their services. Trade-in valuations are powered by Kelley Blue Book® data to provide estimates of what you may be able to receive from the dealer by trading in your car. Kelley Blue Book® Price Advisor is also powered by Kelley Blue Book® data to provide you with information on what other customers have paid for like cars in your area. Kelley Blue Book® valuation methods are not determined or maintained by Capital One. You can visit the Kelley Blue Book® website for additional information on their services. Third party websites, such as Kelley Blue Book® and CarFax®, are not maintained by Capital One. Maps, directions, and reviews are provided for informational purposes only. No representation is made or warranty given as to their content, road conditions or route usability or expeditiousness. User assumes all risk of use. Google™, Capital One, and their suppliers assume no responsibility for any loss or delay resulting from such use. All reviews are provided by Google and are subject to Google terms of services. Capital One does not monitor content provided by Google. ©2018 Google LLC, used with permission. Google and the Google logo are registered trademarks of Google LLC. Google Play and the Google Play logo are trademarks of Google LLC. App Store is a service mark of Apple Inc. Stock vehicle images provided by izmo, inc. and Autodata, Inc. Stock Automotive Images, Copyright 2000 - 2021 izmo, Inc. All Rights Reserved. The stock automotive images contained herein are owned by izmo, Inc. and are protected under United States and international copyright law. Access to and use of these images is restricted by terms and conditions of a separate license agreement. Any unauthorized use, reproduction, distribution, recording or modification of these images is strictly prohibited. Capital One Auto Refinance Important Disclosures and Requirements How Auto Refinance Works Pre-Qualification: Submit an application to see if you pre-qualify to refinance your current auto loan with no impact to your credit score. Credit Application: Select the offer that you want, review the information you entered and complete the credit application which will result in an inquiry posted to your consumer credit report and may impact your credit score. Finalize: Provide your Vehicle Identification Number (VIN), E-Sign your contract, enter in your current lender details, and if needed, send in any supporting documents. The Capital One Customer Service team will then begin to process your application. After your loan has been finalized, you will need to provide us with Title Transfer documents that vary by state. About You (the applicant): To pre-qualify for refinancing, you must be in good standing (not over limit, past due, or charged off) on any other existing Capital One account. You must be in good standing on your mortgage and auto loan payments. You must be at least 18 years of age to apply. Applicants must have a valid physical street address within the contiguous United States at the time of application. P.O. Box addresses are not eligible for refinancing. An individual who does not have a physical street address may use an Army Post Office address or a Fleet Post Office address. A minimum monthly income requirement of $1,500 to $1,800 will apply depending on your credit qualifications. Pre-qualification does not guarantee that you will receive financing or any particular financing terms, which are subject to change based on our evaluation of the credit application and any required documents. Your pre-qualification expires 30 days from the date your pre-qualification application is received. You may use your pre-qualification on the expiration date, but not on any day thereafter. After pre-qualification, when you submit your credit application you will have at least 15 days to provide any required information or documents and sign your contract. If your offer expires before you are ready to refinance your vehicle, please re-submit a pre-qualification application to check your eligibility for a new offer. Vehicle Type Restrictions Capital One Auto Finance only finances new and used cars, light trucks, minivans and SUVs that will be used for personal use. Vehicles must be 7 years old or newer and have an established resale value. Capital One does not refinance Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehicles, 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. Loan Amount Restrictions Minimum loan amount is $7,500 and maximum loan amount is $50,000. Your maximum loan amount may be based on your income, key credit characteristics, and the vehicle you are refinancing. Your actual loan amount will be limited based on the value of the specific vehicle that you are refinancing. For the vehicle you want to refinance, the value is based on NADA or KBB trade-in value. The amount of this limitation may vary and is referred to as the “LTV” (loan-to-value) limit. For example, if the value of the vehicle that you are refinancing is $20,000, and your LTV limit is 110%, then your refinanced loan amount can be up to $20,000 x 110% = $22,000. Auto Refinance Restrictions Capital One Auto Finance only refinances loans from other financial institutions, not including Capital One subsidiaries. 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. We will only refinance standard auto loans with only one lienholder on the vehicle title. We do not refinance personal loans that use a vehicle title as collateral (also known as title loans), or auto loans that have more than one lienholder on the title. You must refinance the full payoff amount of your existing auto loan subject to our minimum and maximum loan amounts. We do not offer cash back refinancing or lease buyouts. We will only pay off your existing auto loan and will not finance new GAP coverage or any other credit-related ancillary product to cover any cancelled coverage due to refinancing. To determine if your GAP or other credit-related ancillary policy terminates upon refinancing, consult your agreement or contact your provider. Auto Refinance Documentation Requirements Based on the information you provided, we will need some or all of the following documentation: Proof of Income Proof of Residence Proof of Insurance Proof of Employment Vehicle Title You will need to send us your vehicle title if you reside in one of the following states: KY, MD, MI, MN, MO, MT, NY, OK and WI. In all other states we will obtain the title directly from the state agency which holds your vehicle title. Limited Power of Attorney to Modify Vehicle Title In order to modify your vehicle title to show Capital One Auto Finance as the new lienholder we will need you to sign a limited Power of Attorney document which authorizes us to make this change at the Department of Motor Vehicles (DMV). Annual Percentage Rate (APR) APR is the Annual Percentage Rate. Advertised rates are offered depending on the individual’s excellent and substantial credit and key loan characteristics, including but not limited to Amount Financed, term, and vehicle characteristics. A representative example of payment terms are as follows: a loan amount of $20,000 with an APR of 7.50% and a term of 60 months would have a monthly payment of $400.76. No downpayment required. APRs shown are current as of March 28, 2017. Advertised rates are subject to change without notice. Refinancing may extend the term of the loan and increase the total amount paid when compared to your current situation. Lifetime Payment Reduction Claim Lifetime savings claim is based on average expected reduction in total lifetime payments our customers experience over the life of the loan compared to their prior lifetime payments. Claim is based on original loan information provided by the customer as well as loan information we receive from a credit reporting agency and does not include customers who choose to extend the number of remaining payments on their auto loan. Lifetime savings may result from a lower interest rate, a shorter term or both. Your actual savings may be different. Yearly Payment Reduction Claim Yearly payment reduction claim is based on average payment reduction our customers experience over a year with their new loan compared to their prior yearly loan payments. Claim does not include customers who choose to reduce the number of remaining payments on their auto loan. Yearly payment reduction may result from a lower interest rate, a longer term or both. Your actual savings may be different. Monthly Payment Reduction Claim1 Monthly payment reduction claim is based on average expected reduction in monthly payments our customers experience with their new loan compared to their prior loan payments. Claim is based on original loan information provided by the customer as well as loan information we receive from a credit reporting agency and does not include customers who choose to reduce the number of remaining payments on their auto loan. Monthly payment reduction may result from a lower interest rate, a longer term or both. Your actual savings may be different. Ratings and Reviews Customer reviews are submitted by validated Capital One customers who refinance using Capital One. Some product ratings and reviews may be obtained from customers with different versions of the product displayed above. Third Party Information Capital One uses third party information to enhance your auto refinancing experience through the Vehicle Identification Number (VIN) auto-fill feature. If you use the VIN auto-fill feature, certain data fields of your application such as VIN, year, make and model will be auto-filled using information supplied by a third party. Capital One does not guarantee that third party information is accurate, current, complete or reliable and assumes no responsibility for the accuracy of third party information. You should independently verify the accuracy of any third party information supplied through the VIN auto-fill feature. Privacy and Security For more information around consumer data collection concerning the California Consumer Protection Act (CCPA), please visit our Privacy page. This site uses Secure Sockets (SSL) encryption for all customer data and has been authenticated by Verisign. IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR CREDIT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you apply for credit, we will ask for your name, address, date of birth and other information that will allow us to identify you. 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