How to Apply for Capital One Auto Loan – Eligibility & Application Guide
Capital One is a popular choice in the U.S. for auto financing, offering pre-qualification, competitive rates, and flexible repayment terms.
What is a Capital One Auto Loan?
Capital One offers auto loans for:
New and used car purchases
Refinancing existing auto loans
Loans are only available for vehicles purchased through Capital One’s dealer network (Auto Navigator).
Eligibility Criteria for Capital One Auto Loan
| Requirement | Details |
|---|---|
 Credit Score | Minimum 580+ recommended (fair credit); better rates for 700+ |
 Age | 18+ years (legal U.S. resident) |
 Income | Minimum monthly income of $1,500–$2,000+ (varies by state) |
 Employment | Stable employment or income source required |
 Vehicle Criteria | Vehicle must be from a partner dealership, model year ≥2013, <120,000 miles |
 Location | Available in most U.S. states (not in Alaska or Hawaii) |
Documents Required
You may need to provide the following during application or final approval:
Valid Driver’s License
Proof of Income – Pay stubs or bank statements
Proof of Residence – Utility bill or lease agreement
Social Security Number (SSN)
Vehicle Information – VIN, dealership info, price
How to Apply – Step-by-Step Process
Online via Auto Navigator
Click “Get Pre-Qualified” – Soft credit check only
Enter basic personal, income, and employment info
Browse pre-qualified vehicles from partnered dealers
Select your car and complete the purchase & loan paperwork at the dealership
Note: Pre-qualification is risk-free and doesn’t affect your credit score.
Capital One Auto Loan Features
| Feature | Details |
|---|---|
 Loan Amount | $4,000 to $75,000 |
 Loan Term | 36 to 72 months |
 APR | Approx. 5.99% – 24.99% (based on credit profile) |
| Pre-qualification | Yes, online |
 Prepayment Penalty | None |
FAQs – Capital One Auto Loan
Q1. Is Capital One auto loan available for private party sales?
No, only valid through partnered dealerships.
Q2. Does pre-qualification affect my credit score?
No. It uses a soft pull, not a hard inquiry.
Q3. Can I refinance my current auto loan?
Yes, Capital One offers refinancing, subject to eligibility and approval.
Q4. How soon are funds disbursed?
Funds are disbursed at the dealership once paperwork is signed.