![]() ![]() ![]() Pays creditors directly for refinance loans: Capital One will issue the check directly to your previous lienholder when you refinance.Rebates: There are no rebate programs available.Discounts: Capital One doesn't disclose available discounts.Prepayment fee: There are no prepayment penalties, so there is no added charge for paying off your car loan early.Origination fee: Capital One does not charge origination fees.Other vehicle restrictions: The vehicle must be for personal use.Maximum loan-to-value ratio: Not disclosed.Maximum accepted mileage: 120,000 (150,000 in some cases).State availability: Available in all states and D.C., except Alaska and Hawaii.Minimum recommended credit score: Not disclosed.How long the process takes depends on the dealership and your individual circumstances. ![]() But to finalize the loan and complete your vehicle purchase, you must visit a participating dealer, fill out an application, and undergo a hard credit check. You can design an auto loan online, including adjusting the down payment and repayment term, through Capital One's Auto Navigator. You can’t refinance loans currently financed by Capital One Auto Finance. Rates and loan terms vary by location, the selected vehicle, and the dealer selling the car, but borrowers can generally finance $4,000 and up. Borrowers with existing auto loans can also use the lender's refinancing program to potentially secure a lower interest rate or lower monthly payments. Types of Auto Loans Offered by Capital OneĬapital One has financing options for new and used cars-but you must buy through its auto dealership network, which includes independent dealers and franchises.
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