Capital One Auto Loan Guide — Your Path to Financing Your Next Car

Experience a streamlined car-buying journey with Capital One’s Auto Navigator—offering a vast network of participating dealerships across the U.S.

Best Financing Option For You

SEE FINANCING DETAILS

You will stay on our website.

Pre-Qualify with Confidence

See Your Terms with No Impact to Your Credit Score.

Shop Smarter with Auto Navigator

Find Cars & See Financing Options Online, All in One Place.

Know Your Buying Power at the Dealer

Go to Participating Dealers Armed with Your Pre-Qualified Offer.

Finance New & Used Cars

Flexible Options for a Wide Range of Vehicles.

• Pre-Qualify in Minutes with Auto Navigator+

  Capital One’s standout feature is the ability for U.S. consumers to pre-qualify for auto financing online through our Auto Navigator tool – and it won’t impact your credit score!

• Find Your Car & See Financing with Auto Navigator+

  Auto Navigator is more than just a pre-qualification tool; it allows U.S. car shoppers to search millions of new and used cars from participating dealers nationwide. You can filter by make, model, price, and even see how different vehicles could impact your pre-qualified financing terms.

• Refinance Your Existing Auto Loan+

  Capital One may offer U.S. consumers the option to refinance an existing auto loan from another lender. Refinancing could potentially help you lower your monthly payment, reduce your interest rate, or change your loan term.

• Convenient Online and Mobile Account Management+

  If you finance your vehicle with Capital One, you’ll have access to easy-to-use online and mobile banking tools. U.S. customers can manage their auto loan 24/7: make payments, set up automatic payments, view statements, check your balance, and access customer support.

Top Auto Loan Options in the US

1. Bank of America Auto Loans: Offers competitive rates, online prequalification, and financing for both dealer and private party purchases, making it a versatile choice for various buyers.
2. Chase Auto Loans: Provides flexible loan terms, a user-friendly online platform, and special rate discounts for existing customers, catering to those seeking traditional bank financing.
3. PenFed Credit Union: Known for low APRs and flexible terms, PenFed caters to members seeking affordable financing options for new and used vehicles.
4. LightStream (a division of SunTrust Bank): Offers unsecured auto loans with no restrictions on vehicle age or mileage, ideal for those purchasing from private sellers or looking for a straightforward loan process.
5. Capital One Auto Navigator: Provides a seamless online experience with prequalification that doesn’t impact your credit score, allowing you to shop and compare rates effortlessly.

How Auto Loans Affect Credit & Finances

Financing a car through Capital One Auto Navigator® can be a strategic move for building and maintaining your credit health. By making on-time payments, you strengthen your FICO score, improve your credit history, and position yourself for lower rates on future loans. 

On the flip side, late or missed payments can negatively impact your credit and increase your debt-to-income (DTI) ratio—affecting your ability to qualify for mortgages or credit cards. Fortunately, Capital One helps you shop around responsibly: multiple loan inquiries made within a 14–45 day period are treated as one inquiry by most credit models.