The number for capital one auto finance


the number for capital one auto finance

Full range of banking services, deposit and credit services, mortgage, trust, merchant services, bankcards and securities brokerage services among banks in. How the Upstart Financial Institution Charged Toward Market Leadership Mary With the acquisition of PeopleFirst, Capital One extends its auto finance. In a lot of ways, its financing works as a “one-stop shop” for your auto loan and vehicle purchase. Perks: The Capital One Auto Navigator site lets you search.
the number for capital one auto finance

The number for capital one auto finance -

Current auto loan rates for January 2022

The Bankrate guide to choosing the best auto loans

Auto loans let you borrow the money you need to purchase a car. Since car loans are typically “secured,” they require you to use the automobile you’re buying as collateral for the loan.

This is both good news and bad news. The fact that your loan is secured does put your car at risk of repossession if you don’t repay the loan, but having collateral often helps you qualify for lower interest rates and better auto loan terms.

Auto loans usually come with fixed interest rates and loan terms ranging from two to seven years, but it’s possible to negotiate different terms depending on your lender.

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What to know first

When shopping for an auto loan, compare APRs across multiple lenders to make sure you’re getting a competitive rate. Look for lenders that keep fees to a minimum and offer repayment terms that fit your needs. Loan details presented here are current as of Jan. 6, 2022. Check the lenders’ websites for more current information. The auto loan lenders listed here are selected based on factors such as APR, loan amounts, fees, credit requirements and more.

Best auto loan rates in January 2022

LightStream

2.49% to 8.99% (with autopay)

36 to 84 months

$5,000 to $100,000

Bank of America

Starting at 2.29%

48 to 72 months

Starting at $7,500

Capital One

Not specified

24 to 84 months

Starting at $4,000

Carvana

Starting at 3.9%

Not specified

Not specified

myAutoLoan

Starting at 1.9%

24 to 84 months

Starting at $8,000

Rates as of 1/6/22

Summary: Car loans in 2022

What are car loans and how do they work?

Auto loans are secured loans that use the car you’re buying as collateral. You’re typically asked to pay a fixed interest rate and monthly payment for 24 to 84 months, at which point your car will be paid off. Many dealerships offer their own financing, but you can also find auto loans at national banks, local credit unions and online lenders.

Because auto loans are secured, they tend to come with lower interest rates than unsecured loan options like personal loans. As of Dec. 22, 2021, the average APRs according to a Bankrate study are the following.

New car

  • 36-month term: 3.84 percent.
  • 48-month term: 3.87 percent.
  • 60-month term: 3.86 percent.
  • 72-month term: 3.64 percent.

Used car

  • 36-month term: 4.28 percent.
  • 48-month term: 4.44 percent.
  • 60-month term: 5.98 percent.

What to know before applying for an auto loan

When looking for a car loan, it's best to shop around with a few lenders before making your decision. Each lender has its own methodology when reviewing your application for a loan and setting your interest rate and terms.

Generally, your credit score will have the biggest effect on the rates offered. The higher your credit score, the lower APR you'll receive. Having a higher credit score may also allow you to take out a larger loan or access a broader selection of repayment terms. Choosing a longer repayment term will lower your monthly payments, although you'll also pay more in interest overall.

If you've found a few lenders that you like, see if they offer preapproval — going through this process will let you see which rates you qualify for without impacting your credit score.

Auto loan rates by credit score

781–8502.58%3.68%
661–7803.64%5.35%
601–6606.32%9.77%
501–6009.92%15.91%
300–50012.99%19.85%

Source: Experian State of the Automotive Finance - Q3 2021

Can I get an auto loan with bad credit?

It is possible to get a car loan with bad credit, although having bad credit will raise the rates you're offered. If you're having trouble getting approved or finding acceptable rates, try taking these steps:

  • Make a large down payment: Making a larger down payment will lower your monthly payment, but it could also help you qualify for better rates.
  • Consider a co-signer: A co-signer with good credit will take on some responsibility for your loan if you default, but they can also help you qualify.
  • Reduce existing debt: Before applying for an auto loan, pay down as much debt as you can and avoid opening new accounts, like credit cards.

How do I get a car loan?

The process of getting a car loan is similar to that of getting any other type of loan. Here's how to start:

  • Shop around: It's usually best to compare rates and terms from at least three lenders before moving forward with an auto loan. Try to find lenders that have APRs and repayment terms that will fit your budget.
  • Prequalify: Prequalifying with lenders is often the first step of the application process, and it lets you see your potential rates without a hard credit check.
  • Complete your application: To complete your application, you'll likely need details about your car, including the purchase agreement, registration and title. You'll also need documentation like proof of income, proof of residence and a driver's license.
  • Begin making payments on your loan: Your payment schedule will start as soon as you receive your auto loan. If needed, set up a calendar reminder or automatic payments to keep you on track with your monthly bill and avoid late payments.

Best auto loan lenders in 2022

LightStream: Best overall

Overview: With auto loan options for every type of deal you can imagine — including new cars, used cars from a dealer or private seller, lease buyouts and even classic car financing — LightStream is a great option for those with good to excellent credit.

Perks:According to Experian, the average new car loan is just over $37,000, with an average 69-month loan term. To finance that amount, and with those terms, LightStream currently has APRs as low as 2.49 percent for a new car loan (including a 0.5 percent discount for borrowers on autopay). LightStream is also able to fund your loan as soon as the same day you apply (conditions apply), and offers loan amounts from $5,000 to $100,000.

What to watch out for: You will have to sign up for autopay to get LightStream's best terms, and it is an unsecured loan, meaning you may be able to find better rates with a traditional auto lender.

LightStream
Not specified
2.49% (with autopay)
$5,000 to $100,000
36 to 84 months
Not specified
None

Bank of America: Best big bank option

Overview: Bank of America offers flexible and convenient auto loans you can apply for directly on its website. Rates are competitive, and you can qualify for additional discounts if you’re an eligible Bank of America customer.

Perks: Bank of America will finance a minimum of $7,500 ($8,000 in Minnesota). Financing is available in all 50 states and Washington, D.C. Bank of America’s APRs start at 2.29 percent for a new car and 2.49 percent for a used car. If you’re a Bank of America Preferred Rewards customer, you can qualify for a rate discount of up to 0.5 percent off.

What to watch out for: Bank of America requires that the car you're financing be no more than 10 years old, with no more than 125,000 miles and valued at no less than $6,000. Also, if you're applying online, the term range you can apply for is limited — you can only pick a 48-, 60- or 72-month term.

Bank of America
Not specified
2.29%
Starting at $7,500 ($8,000 in Minnesota)
48 to 72 months
Not specified
Loan fee in some states

Capital One: Best for convenience

Overview: Capital One will let you borrow as little as $4,000, but it requires you to purchase the car through one of its participating dealers. In a lot of ways, its financing works as a “one-stop shop” for your auto loan and vehicle purchase.

Perks: The Capital One Auto Navigator site lets you search for inventory in your area and gives you the ability to see how different makes, models and features will impact your monthly payment. This will give you a lot of information before you head to the dealer. Also, the quick prequalification allows you to check your rate through a soft inquiry, so your credit score won’t be impacted.

What to watch out for: You can use Capital One auto financing to shop only at one of its participating dealerships, which makes this a poor option if you find a car you love elsewhere.

Capital One
Not specified
Not specified
Starting at $4,000
24 to 84 months
$18,000 or $21,600
Late fee

Carvana: Best fully online experience

Overview: Carvana lets you shop for a car online and pick up your purchase from a giant “car vending machine.” Its process lets you enjoy a unique experience, yet Carvana also offers competitive car loan rates and terms.

Perks: Carvana is a great option for those who want to shop for their new car from home, as well as those with poor credit. Carvana’s only requirements are that you are at least 18 years old, make $4,000 in yearly income and have no active bankruptcies. When you prequalify, Carvana does not make a hard inquiry on your credit, so your credit score won’t be impacted; a hard inquiry is made only once you place an order.

What to watch out for: After you prequalify, you have 45 days to make a purchase from Carvana's inventory and either pick up the car, have it delivered to you or fly to the car and then drive it back.

Carvana
Not specified
3.9%
Not specified
36 to 72 months
$4,000
Varies

myAutoLoan: Best for shopping for multiple loan offers

Overview: If you want to compare multiple loan offers but you don’t want to spend a lot of time doing it, myAutoLoan is a great option. This platform lets you enter your information once and receive multiple loan offers in one place.

Perks: After filling out a single online loan application, you’ll be given up to four quotes from different lenders. To qualify, you must be at least 18 years old, have an annual income of at least $21,600, have a FICO score of 575 or greater and be purchasing a car with less than 125,000 miles and that is 10 years old or newer. By comparing multiple auto loan offers at once, you can pick the one with the interest rate, loan term and conditions that work for you and your budget without having to shop around.

What to watch out for: If you have poor credit, your interest rate could be on the higher side. Also note that you can use this platform if you live in most states, but not in Alaska or Hawaii.

myAutoLoan
575
1.89%
Starting at $8,000
24 to 84 months
$21,600
Not specified

Frequently asked questions about auto loans

Who has the best rates for car loans?

The company that is able to offer you the lowest rates for an auto loan can vary depending on where you live, your credit score, your employment history and other factors. Your best bet is shopping around among at least three auto lenders until you find the best deal.

Is a 72-month car loan a bad idea?

One problem with longer car loans is the fact that you often wind up “underwater” or "upside-down" on your loan. This is due to the fact that cars tend to depreciate faster than you can pay off your loan.

A 72-month car loan means you’re paying off your loan more slowly and have the potential to owe more than your car is worth for the first few years. However, longer car loans let you secure a more affordable monthly payment, which is likely an important consideration for your budget.

What are used car loan interest rates?

Used car interest rates range from 3.68 percent to 19.85 percent for most borrowers, according to the most recent statistics from Experian. Rates for used cars tend to be higher than those offered for new car purchases.

What credit score do you need to get 0% financing on a car?

Superprime borrowers with credit scores above 781 are most likely to qualify for 0 percent APR offers that sometimes come with a new car. However, you may be able to qualify if you’re a prime borrower with a score between 661 and 780.

How do you get prequalified for an auto loan?

You can get prequalified for an auto loan online and without ever leaving your home. All you have to do is select one of the lenders on this list and choose its online option to “get prequalified” or “apply for a loan.” Many lenders let you get prequalified for an auto loan without a hard inquiry on your credit report.

How do I refinance my car loan?

Refinancing a car loan is essentially just taking out a new car loan — so the steps for applying are mostly the same. You'll need your driver's license, Social Security number and proof of income, as well as details about your car. If approved, you'll use the funds from your new loan to pay off your old car loan, then begin making monthly payments with your new interest rate and terms.

Can I sell my car with a loan?

It is possible to sell your car with an outstanding loan, but you may have to go through a few extra steps. If your car is worth less than what you currently owe on the loan, you have what's known as negative equity — meaning you may need to pay the difference out of pocket or refinance the remaining amount with a different type of loan.

If your car is worth more than what you currently owe, on the other hand, you may be able to pocket the difference in cash when you sell the car. Whatever your situation, reach out to your lender about your options, as each lender sets different rules for selling a car with a loan.

Should I get an auto loan from the dealership or the bank?

Choosing between a dealership and a bank for an auto loan is complicated. In general, dealerships may offer higher rates than banks — but this may not be the case for used cars. Regardless, it's important to get quotes from a few banks or online lenders first; that way you can come to the dealership prepared. Ask for a quote from the dealership as well, comparing rates, terms and any additional fees.

Do I need to make a down payment or provide a trade-in when buying a car?

Many lenders require some form of down payment on a car. However, that's not necessarily a bad thing; making a down payment will lower your monthly payments — and the larger your down payment, the more you save. Making a larger down payment could also lower the interest rate the lender offers you.

Источник: https://www.bankrate.com/loans/auto-loans/rates/

Want to contact us about Capital One auto loan products?

Online Support

Existing Customers

Manage your existing auto loan account or set up automatic payments:

Sign In for existing auto loans

Auto Finance FAQs

New and Used Financing Applications

Questions about the status of an Auto Navigator Pre-qualification:

Sign In for Status

List of eligible dealers

Auto Navigator FAQs

Auto Refinance Applications

Questions about the status of a Refinance Pre-qualification:

Sign In for Status

Auto Refinance FAQs

Contact by Phone

Existing Customers

1-800-946-0332
FAX: 1-866-722-0410

Business Hours:
Mon - Fri, 9 a.m. to 8 p.m. ET
24 hour automated assistance

New and Used Financing Applications

1-800-689-1789

Business Hours:
Mon - Fri, 9 a.m. - 9 p.m. ET
Sat, 10 a.m. - 7 p.m. ET

Auto Refinance Applications

1-833-292-8336

Business Hours:
Mon - Fri, 9 a.m. - 9 p.m. ET

Auto Finance Feedback

Submit an online 'Auto Finance Feedback' form to Capital One Auto Finance

Contact by Mail

Payments

(Please check your statement for the best address and fastest processing)

Capital One Auto Finance
P.O. Box 60511
City of Industry, CA 91716

Overnight Payments

Capital One Auto Finance
Attn: Payment Processing
2525 Corporate Place
2nd floor Suite #250
Monterey Park, CA 91754

Correspondence

Capital One Auto Finance
7933 Preston Road
Plano, TX 75024-2302

FAX: 1-866-722-0410
(Please include reference number)

Источник: https://www.capitalone.com

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Auto Loans

How Auto Navigator Works

Use Auto Navigator to pre-qualify for auto financing prior to visiting a participating dealer. We review the information you provide to determine whether you pre-qualify with no impact to your credit score. If you pre-qualify, you will be able to see your monthly payments, APRs and Offer Summaries for vehicles you may be considering. Remember, your pre-qualification amount can only be used for the purchase of one, personal use vehicle. The Offer Summary will include an estimate of the financing terms you could qualify for when you apply for financing at the dealer. When you are ready to finance a vehicle, take your Auto Navigator Offer Summary to a participating dealer to let them know you are pre-qualified for auto financing with Capital One. Remember, you can use your mobile phone to configure vehicles and compare your options at the dealer! If you have recently applied and funded another loan with Capital One Auto Finance, this might impact your eligibility for a new loan with this pre-qualification.

*Monthly Payment, APR, and Product Terms

*Monthly payment and Annual Percentage Rate (APR) terms are not final until your financing is completed at a participating dealer. These terms are based on information you provide and might change if you update any information on our website or at the dealer. Terms online are provided based on common monthly increments of 24, 36, 48, 60, 72, 75, and 84; however, other terms may be available at the dealership when purchasing the vehicle. Not all consumers qualify for these terms.

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 your credit application submitted at the dealer and any required documents. Auto Navigator terms expire 30 days from the date your application is received.

To pre-qualify, you must be at least 18 years old, have a valid street address within the contiguous United States or an APO/FPO address. Minimum monthly income required is $1,500 or $1,800, depending on your credit qualifications. Any existing Capital One accounts must be in good standing (not over limit, past due, or delinquent).

Using Auto Navigator at a Dealer

When you visit a participating dealer, show them your Auto Navigator Offer Summary for the vehicle you would like to finance or check-in using your pre-qualification. Check-in will allow that dealer to access your pre-qualified terms and preferences, including cars you saved at that dealership (check-in is not available at all dealerships and is not a mandatory step). Then 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. See our FAQs for more information.

Amount Financed Restrictions

For new and used vehicles, the minimum Amount Financed is $4,000. Your maximum Amount Financed may be based on income, key credit characteristics, the vehicle you are purchasing, the details of the financing deal, and/or the specific dealership from which you purchase the vehicle. The Amount Financed may include the vehicle sales 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.

Military Lending Act Requirements

Due to requirements under the Military Lending Act, auto financing for certain members of the Armed Forces and their dependents cannot include GAP, Credit-Life, or Accident & Health Insurance, and other similar products.

APR

APR is the Annual Percentage Rate. Advertised rates 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. A representative example of payment terms is as follows: a $1,000 down payment, an Amount Financed of $22,000 with an APR of 10.00% and a term of 72 months would have a monthly payment of $389.04. Down Payment is required in some situations to complete purchase. APRs shown are current as of March 27, 2019. Advertised and estimated rates are subject to change without notice.

Representative APR is based on the individual's credit and key financing characteristics, including but not limited to the amount financed, term, the loan-to-value (LTV) ratio, and vehicle mileage. Your actual APR will be based on your specific situation.

Dealer Participation Requirements

Capital One Auto Finance provides financing for new and used vehicles purchased from participating dealers listed on our Dealer Locator. Participating dealers are subject to change. We do not offer financing for vehicles purchased from non-participating dealers, auto brokers, or private party sellers. We do not offer financing for lease buyouts.

Vehicle Type Restrictions

Auto Navigator terms can only be used at participating dealer locations in connection with the purchase of a new or used car, light truck, minivan, or SUV intended for personal use. We do not finance certain vehicle makes including but not limited to, Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehicles. We do not 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 (alternatively referred to as a lemon) 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.

+ Vehicle must be 2009 model year or newer and have fewer than 120,000 miles. In some instances, you may be able to purchase a 2007 model year with fewer than 150,000 miles.

Dealer Advertised Inventory

Auto Navigator may not display all vehicles available at participating dealers. If a dealer's advertised inventory is not available in Auto Navigator, your Capital One pre-qualification may still be used at any participating dealer. Inventory availability is subject to change without notice.

Third Party Information

Capital One uses third party information, otherwise available, to enhance your auto financing experience. 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. Please note that third parties provide this information and Capital One does not 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 and 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 include, but are not limited to, document fees, dealer preparation fees, and delivery charges. You should verify with the dealer what is included in the dealer advertised price. We 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.

*Search by Photo Terms of Use

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Источник: https://www.capitalone.com

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New and Used Auto Financing

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.

Источник: https://www.capitalone.com

The number for capital one auto finance -

PAYMENTS

PAYMENT SCHEDULING

Capital One Auto Finance Account Payments

The cut-off time for Incoming Payments to a Capital One Auto Finance loan account scheduled through the Services but not scheduled through the Online Bill Pay service is 4:00 p.m. CST or CDT on Business Days. Incoming Payment requests initiated after the cut-off time will be processed the next Business Day.

If you set-up a recurring payment for your Capital One Auto Finance loan, you, an authorized signer on the account, authorize Capital One Auto Finance, its successors and assigns, and the institution named, to initiate withdrawals from the designated checking or savings account for funds payable to Capital One Auto Finance. This authorization will remain in effect until you notify Capital One Auto Finance to cancel it, in such time as to afford Capital One Auto Finance a reasonable opportunity to act on it.

Please note: You can stop payment of any entry by notifying Capital One Auto Finance in accordance with the cancellation terms in your DPAY or CarPay confirmation.

If funds are unavailable at the time we attempt to debit your checking or savings account or your direct payment is not received for any reason, you will be responsible for forwarding a payment to us. If your payment is not received by the due date, you will be assessed late fees in accordance with your contract.

If you pay with a direct draft that is dishonored or returned, Capital One Auto Finance reserves the right to assess a "Returned Check Fee" in accordance with your contract. If a direct draft is returned, Capital One Auto Finance reserves the right to terminate this authorization and your participation therein.

Capital One Auto Finance will no longer issue monthly periodic statements to users who have established recurring payment instructions through Online Banking.

Online Statements

You are consenting to receive from us by electronic means your monthly periodic statement for your specified auto loan and other disclosures related to this service such as your annual privacy notice. However, you may be sent paper statements or other documents that contain important information about your account. You should continue to review any correspondence that we mail to you.

When your online statement is available, an e-mail notification will be sent to the e-mail address that we have on file. It is your responsibility to update any changes in your e-mail address at our My Info page. If you do not receive an e-mail and believe you should have, please visit our Web site to view your statement and verify your e-mail address. We encourage you to retain a copy of any records you would like to keep.

Hardware and Software Requirements

To access and retain the information subject to this consent, your personal computer needs to support the latest W3C HTML / DOM recommendations and 128 bit SSL encryption.

You will also need Adobe Acrobat to review statements in PDF format, if such statements are available. To read statements in PDF format, you will need to download Adobe Acrobat software into your browser. There is no cost to download this software. If you do not have Adobe you can download it from the following link: http://www.adobe.com/products/acrobat/readstep2.html

To print statements you must have a printer connected to your computer. To download statements, if available, you must have sufficient hard-drive space (approximately 1 MB) to store the statements.

FEES AND CHARGES

Except as provided herein, we do not at this time charge any enrollment fees, recurring usage fees or any other fees for your use of the Services (including viewing your account information. However, we do charge fees in certain circumstances that may arise in connection with your use of the Services (including a Returned Check Fee). If you require additional details, call Capital One Auto Finance Customer Service at 1-800-946-0332. In addition, you shall be subject to all fees, charges, penalties, balance requirements, and other restrictions explained in your account agreements or other Additional Agreements.

Notwithstanding the foregoing, fees are subject to change, and we may impose additional charges, penalties or fees in connection with your use of the Services at any time, subject to the terms hereof.

You agree to promptly pay all fees and charges for services provided through the Services, and you authorize us to automatically deduct all applicable charges and fees from your designated Capital One Payment Account(s) or any other eligible account.

You agree to be responsible for any telephone charges and/or Internet service fees you incur in accessing your account(s) through the Services.

CHANGES IN SERVICES; INTERRUPTIONS IN SERVICE

We may, from time to time and at any time, revise, update, discontinue or otherwise modify, temporarily or permanently, the Services or any part thereof (including, without limitation, the Online Servicing Site, this Agreement, the scope of the Services, and any materials related to the Services), or your access thereto. We will attempt to provide prior notice of any such material changes (by posting a notice of such changes on the Online Servicing Site when you log in, and/or sending a notice to you at the address shown on our records, providing a link to the notice, sending you a secure message, or by any other method as permitted by law), but cannot guarantee that such notice will be provided. Use of the Services after notice has been provided to you constitutes acceptance of such changes.

Notwithstanding the foregoing, whenever reasonably practicable, we will attempt to post or send such notice at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions; provided, that we cannot guarantee that we will provide such notice by such time; and provided further, that we reserve the right to make any such changes effective immediately if necessary to maintain the security of the system or to comply with any laws or regulations. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change.

Changes to the Services may render prior versions of the Services obsolete. Without limiting the foregoing, we reserve the right to terminate this Agreement as to all prior versions of the Services and/or related materials and limit access to our more recent versions and updates.

You may choose to accept or decline changes by closing, continuing or discontinuing use of the Services to which these changes relate. Your use of the Services after we make any changes will constitute your agreement to such changes. We also reserve the option, in our sole business judgment, to waive, reduce or reverse charges or fees in individual situations.

We may, from time to time perform maintenance upon the Services or experience hardware, software or other problems related to the Services, resulting in interrupted service, delays or errors in the Services. We will attempt to provide prior notice of such interruptions, delays or errors but cannot guarantee that such notice will be provided.

STATEMENT OF RECORD

Any account information provided by the Services is not the statement of record. The periodic monthly statement provided to you electronically is the statement of record. You are responsible for reviewing any statement and other account communications sent to you. Any statement and other account communications will continue to contain important information about your account(s), regardless of whether you access your account(s) through the Services or whether you have chosen to receive your statement electronically.

YOUR RESPONSIBILITIES AND LIABILITIES

It is your sole responsibility to ensure that the contact information in your online servicing user profile is current and accurate. This contact information includes, but is not limited to, name, address, phone numbers, e-mail addresses, and account numbers. Changes can be made either via a secure message within the Services or by calling Capital One Auto Finance Customer Service at 1-800-946-0332 or via US mail. We are not responsible for any payment processing errors or fees incurred by you if you do not provide accurate account or contact information.

Unauthorized Transactions

You will be sent periodic statements for your account(s) with the regularity provided for in your account agreement(s). Your role is extremely important in the prevention of any wrongful use of your account(s). You must carefully examine your statement upon receipt.

Tell us AT ONCE if you believe that an unauthorized transaction has been or may be conducted from your account(s); if you believe another person has improperly obtained your online password(s), Password/PIN or has transferred or may transfer money from your account(s) without authorization; or you suspect fraudulent activity on your account(s).

Call at 1-800-946-0332 anytime, 24 hours a day, 7 days a week. A representative is available between the hours of 7:00 a.m. and 8:00 p.m. CT Monday through Friday. Or write to Capital One Auto Finance ATTN: Customer Advocacy Team 7933 Preston Rd. Plano, TX, 75024, or send us a secure message; or visit https://www.capitalone.com/contact/.

INELIGIBLE ACCOUNTS

Ineligible accounts include:

  • Accounts in active bankruptcy

  • Accounts requiring special handling

  • Account paid in full

TERMINATION

We reserve the right to terminate this Agreement and your access to the Services, in whole or in part, at any time and for any reason. If your auto account is closed for any reason, such account may no longer appear in your online banking profile.

If you wish to terminate your ability to use the Services please call 1-800-946-0332. If you wish to reinstate your access the Services following any such termination (although we reserve the right not to reinstate such Services as we determine in our sole discretion), please call toll-free 1-800-946-0332. Upon termination of the Services, we will endeavor to cancel any applicable account transactions you have previously authorized, provided that we make no guarantee that we will be able to do so. You will be solely responsible for any fees that apply to any such cancellation. Any payment(s) or other transactions that we are not able to cancel or that have already been processed before the requested termination date will be completed. Termination shall not affect your liability or obligations under this Agreement for any transactions initiated prior to termination.

ASSIGNMENT

You may not assign this Agreement or your rights to the Services to any other party.

We may assign this Agreement to our parent corporation or to any now-existing or future direct or indirect subsidiary of our parent corporation, or to any existing or future direct or indirect subsidiary of Capital One, or to any of our existent or future affiliates. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

DATA RECORDING

When you contact us, the communication or the information you provide may be recorded or otherwise retained by us or our service provider. You consent to such recording or other retention. Without limiting the foregoing, you agree that we may record the conversations our employees have with you or your agents. We do this from time to time to monitor the quality of service and accuracy of information our employees give you and to ensure that your instructions are followed.

NO WAIVER

We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any right or remedy shall operate as a waiver of that right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

LIABILITY FOR LOSS OR ERRONEOUS DATA

Without limiting any other provision hereof, you will bear the sole liability and risk of any error or loss of data, information, transactions or other losses which may be due to the failure of your Computer or third party communications providers on which you may rely. We shall have no liability to you for any damage or other loss, direct or consequential, which you may incur by reason of your use of your Computer.

HARM TO COMPUTER SYSTEMS/DATA

You agree that we shall have no liability of any kind for viruses, worms, Trojan horses, or other similar harmful components that may enter your Computer by downloading information, software, or other materials from the Online Banking Site or any other Capital One Site.

SHARING INFORMATION/PRIVACY

Please click here for an explanation of how we may use, share and safeguard the information that we collect from you in connection with the Services, and your options regarding our use and sharing of such information.

LIMITATION OF LIABILITY; DISCLAIMERS

Except as otherwise expressly provided herein, your use of the Services is at your own risk. None of the entities comprising Capital One, nor any of their respective officers, directors or employees, nor any other party involved in creating, producing, or delivering the Services is liable for any direct, incidental, consequential, indirect, punitive, or other damages of any kind arising out of your access to or use of the Services, or the inability to access or use the Services, whether caused by Capital One or such other parties, online service providers, any agent or subcontractor of any of the foregoing or any other party.

WITHOUT LIMITING THE FOREGOING, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, THE SERVICES ARE PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WHILE CAPITAL ONE MAKES EVERY EFFORT TO PROVIDE ACCURATE INFORMATION IN CONNECTION WITH THE SERVICES, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, CAPITAL ONE MAKES NO WARRANTY THAT (i) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, or (ii) ANY INFORMATION CONTAINED ON, RESULTS THAT MAY BE OBTAINED FROM THE USE OF, OR OTHER ASPECT OF THE SERVICES WILL BE ACCURATE, CURRENT, COMPLETE OR RELIABLE.

Nothing contained in the Services is intended to provide legal, accounting, tax or financial advice. You should consult your own professional advisor on such matters. Information about products and services which you do not already have with Capital One is provided for informational purposes only and should not be considered as an offer to make those products and services available to you.

SEVERABILITY

If any provision of this Agreement is void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in another jurisdiction or any other provision in that or any other jurisdiction.

AREA OF SERVICE

Unless otherwise agreed by Capital One, the Services described in this Agreement are solely offered to citizens of the United States of America. The United States Export Control laws prohibit the export of certain technical data and software to certain territories. No contents from the Online Banking Site or any other Capital One Site may be downloaded or otherwise exported in violation of United States Law.

COLLECTION EXPENSES

If we have to file a lawsuit to collect whatever you owe us, you will pay our reasonable expenses, including attorneys' fees and court costs as allowed by law.

GOVERNING LAW

This Agreement is governed by and interpreted in accordance with all applicable federal laws and regulations and, as this Agreement applies to each individual account that you may access using the Services, by the state laws and regulations governing such account or the account agreement for such account.

Источник: https://www.capitalone.com

Contact Capital One Customer Service

Capital One Phone Numbers and Emails

Toll-Free Number:

  • (800) 228-3001

    Credit Card Rewards

Customer Service:

  • (800) 695-5500

    Apply For A Credit Card

  • (888) 263-4582

    Auto Refinance Applications

  • (888) 754-4371

    Capital One Merchant Services

  • (800) 228-3001

    Credit Card Rewards

  • (888) 464-0727

    Existing Customers

  • (800) 946-0332

    Existing Customers

  • (888) 810-4013

    For Non-Branch Account

  • (800) 655-2265

    For Retail Branch Banking Accounts

  • (800) 227-4825

    For servicing of existing accounts only

  • (888) 464-7868

    Interactive Phone Services

  • (804) 476-3030

    International Collect

  • (804) 476-3040

    International Collect

  • (800) 689-1789

    New And Used Financing Applications

  • (800) 289-1992

    New Customers

  • (877) 442-3764

    Online Banking Assistance

  • (804) 934-2001

    Outside The Us

  • (800) 926-1000

    Personal Loans

  • (804) 967-1000

    Report A Lost Or Stolen Atm/debit Card

  • (877) 357-5659

    Report Death Of A Cardholder

  • (800) 219-7931

    Secured Card

  • (844) 887-7275

    Small Business Banking

  • (888) 755-2172

    Small Business Banking

  • (800) 867-0904

    Small Business Credit Card

  • (877) 383-4802

Fraud Protection:

  • (800) 427-9428
  • (800) 239-7054

Media:

  • (888) 817-2970

    Opt out of marketing solicitations

Capital One Emails:

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Capital One Contact Information

Corporate Office Address:

Capital One

1680 Capital One Drive

Mclean,Virginia22102

United States

Other Info (opening hours):

Other Location:

2 Bethesda METRO Center,

Bethesda, MD 20814

8020 Towers Crescent Dr,

Vienna, VA 22182

Mailing Address:

DMCA Agent

15000 Capital One Drive

Richmond, VA 23238

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Summary of Capital One Customer Service Calls

2.5K TOTAL
CALLS

05:43 AVG CALL
DURATION

17% ISSUES
RESOLVED

Top Reasons of Customers Calls

Consumers Call the Most From

Why Do People Call Capital One Customer Service?

Cards Question:

  • “I received my card in the mail”
  • “I think I lost my card”
  • “Apply for another card”

Payments and Charges Question:

  • “Make payment”
  • “Billing ussue”
  • “Billing”

Request for Information Question:

  • “Checking on a credit card”
  • “Check my balance”
  • “Checking my account”

Account Question:

  • “See if I can use an ATM put money in account”
  • “Get balance in my account”
  • “Open new account”

Product/ Service Question:

  • “Auto loan”
  • “Withdrawel”
  • “To get a car loan”

Shipping and Delivery Question:

  • “Tarjeta de credito”
  • “I have not received my replacement card yet and I need it”
  • “Verificación de tarjeta de crédito mastercard”

Activation/ Cancellation Question:

  • “Activate credit card”
  • “Activate my account”
  • “배송을 받고 싶지 않아 취소하고 싶어요. 보낸 사람에게 돌려주는 방법은 없나요? 제발 부탁드려요 (I want to cancel because I don't want to receive the delivery. Is there any way to return it to the sender? Please pl”

Employment Question:

  • “Quote for payoff”
  • “Trying to pay off loan”
  • “Payoff”

Return/ Replace Question:

  • “Change address”
  • “To change Auto pay”
  • “Replacement card”

Website/ Application Question:

  • “Check up on application status”
  • “Application & changed my mind and now want permission for more information”
  • “Application Status”

Staff Question:

  • “Customer service”
  • “Customer serviceJarvis”
  • “I am unhappy with your offshore phone bank Services”

Refund Question:

  • “Refund on auto loan account”
  • “Make sure i got my refund”
  • “Gap refund check”

Other Question:

  • “My car was repossessed”
  • “Need to update info on online banking”
  • “Bslance”

About

Capital One Terms of Service

To read more: https://www.capitalone.com/legal/terms-conditions

Capital One Privacy Policy

To read more: https://www.capitalone.com/identity-protection/privacy

Top Capital One Services

Customer Care, Loan, Auto Loan

Top Capital One Products

Credit Card, Account, Platinum Credit Card

Capital One Pros and Cons

Pros: Lost all my trust, Negative, I had faith in this company, Hanging up the phone, Used to like all of their services

Cons: Horrible customer service, Poorly handled, Given the runaround, Unprofessional, Inept customer service with zero empathy

Related Companies

Capital One 360, Sharebuilder, ING Direct, Chevy Chase Bank, Capital One Investing

Summary

Capital One Financial Corporation is a bank holding company headquartered in Virginia. It provides various kinds of financial services: banking, home loans, auto loans, issues credit cards (to the predatory individuals as well) and specialize in different savings products. Capital One is the winner of the Warton Infosys Business Transformation Rewards. It has one of the best innovative credit card products strategies in the US. Capital One Bank was created in 2006 after the acquisition of North Fork Bank by the corporation. Capital One is a sponsor of some football teams. The company is also represented in the UK, Canada and Spain.

Capital One reviews and complaints

Capital One is ranked 114 out of 787 in Banks category

Area Served

USA, Worldwide, Canada, Asia

Payment Methods

VISAMasterCardPayPal

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Источник: https://capital-one.pissedconsumer.com/customer-service.html

Current auto loan rates for January 2022

The Bankrate guide to choosing the best auto loans

Auto loans let you borrow the money you need to purchase a car. Since car loans are typically “secured,” they require you to use the automobile you’re buying as collateral for the loan.

This is both good news and bad news. The fact that your loan is secured does put your car at risk of repossession if you don’t repay the loan, but having collateral often helps you qualify for lower interest rates and better auto loan terms.

Auto loans usually come with fixed interest rates and loan terms ranging from two to seven years, but it’s possible to negotiate different terms depending on your lender.

Why trust Bankrate?

At Bankrate, our mission is to empower you to make smarter financial decisions. We’ve been comparing and surveying financial institutions for more than 40 years to help you find the right products for your situation. Our award-winning editorial team follows strict guidelines to ensure the content is not influenced by advertisers. Additionally, our content is thoroughly reported and vigorously edited to ensure accuracy.

What to know first

When shopping for an auto loan, compare APRs across multiple lenders to make sure you’re getting a competitive rate. Look for lenders that keep fees to a minimum and offer repayment terms that fit your needs. Loan details presented here are current as of Jan. 6, 2022. Check the lenders’ websites for more current information. The auto loan lenders listed here are selected based on factors such as APR, loan amounts, fees, credit requirements and more.

Best auto loan rates in January 2022

LightStream

2.49% to 8.99% (with autopay)

36 to 84 months

$5,000 to $100,000

Bank of America

Starting at 2.29%

48 to 72 months

Starting at $7,500

Capital One

Not specified

24 to 84 months

Starting at $4,000

Carvana

Starting at 3.9%

Not specified

Not specified

myAutoLoan

Starting at 1.9%

24 to 84 months

Starting at $8,000

Rates as of 1/6/22

Summary: Car loans in 2022

What are car loans and how do they work?

Auto loans are secured loans that use the car you’re buying as collateral. You’re typically asked to pay a fixed interest rate and monthly payment for 24 to 84 months, at which point your car will be paid off. Many dealerships offer their own financing, but you can also find auto loans at national banks, local credit unions and online lenders.

Because auto loans are secured, they tend to come with lower interest rates than unsecured loan options like personal loans. As of Dec. 22, 2021, the average APRs according to a Bankrate study are the following.

New car

  • 36-month term: 3.84 percent.
  • 48-month term: 3.87 percent.
  • 60-month term: 3.86 percent.
  • 72-month term: 3.64 percent.

Used car

  • 36-month term: 4.28 percent.
  • 48-month term: 4.44 percent.
  • 60-month term: 5.98 percent.

What to know before applying for an auto loan

When looking for a car loan, it's best to shop around with a few lenders before making your decision. Each lender has its own methodology when reviewing your application for a loan and setting your interest rate and terms.

Generally, your credit score will have the biggest effect on the rates offered. The higher your credit score, the lower APR you'll receive. Having a higher credit score may also allow you to take out a larger loan or access a broader selection of repayment terms. Choosing a longer repayment term will lower your monthly payments, although you'll also pay more in interest overall.

If you've found a few lenders that you like, see if they offer preapproval — going through this process will let you see which rates you qualify for without impacting your credit score.

Auto loan rates by credit score

781–8502.58%3.68%
661–7803.64%5.35%
601–6606.32%9.77%
501–6009.92%15.91%
300–50012.99%19.85%

Source: Experian State of the Automotive Finance - Q3 2021

Can I get an auto loan with bad credit?

It is possible to get a car loan with bad credit, although having bad credit will raise the rates you're offered. If you're having trouble getting approved or finding acceptable rates, try taking these steps:

  • Make a large down payment: Making a larger down payment will lower your monthly payment, but it could also help you qualify for better rates.
  • Consider a co-signer: A co-signer with good credit will take on some responsibility for your loan if you default, but they can also help you qualify.
  • Reduce existing debt: Before applying for an auto loan, pay down as much debt as you can and avoid opening new accounts, like credit cards.

How do I get a car loan?

The process of getting a car loan is similar to that of getting any other type of loan. Here's how to start:

  • Shop around: It's usually best to compare rates and terms from at least three lenders before moving forward with an auto loan. Try to find lenders that have APRs and repayment terms that will fit your budget.
  • Prequalify: Prequalifying with lenders is often the first step of the application process, and it lets you see your potential rates without a hard credit check.
  • Complete your application: To complete your application, you'll likely need details about your car, including the purchase agreement, registration and title. You'll also need documentation like proof of income, proof of residence and a driver's license.
  • Begin making payments on your loan: Your payment schedule will start as soon as you receive your auto loan. If needed, set up a calendar reminder or automatic payments to keep you on track with your monthly bill and avoid late payments.

Best auto loan lenders in 2022

LightStream: Best overall

Overview: With auto loan options for every type of deal you can imagine — including new cars, used cars from a dealer or private seller, lease buyouts and even classic car financing — LightStream is a great option for those with good to excellent credit.

Perks:According to Experian, the average new car loan is just over $37,000, with an average 69-month loan term. To finance that amount, and with those terms, LightStream currently has APRs as low as 2.49 percent for a new car loan (including a 0.5 percent discount for borrowers on autopay). LightStream is also able to fund your loan as soon as the same day you apply (conditions apply), and offers loan amounts from $5,000 to $100,000.

What to watch out for: You will have to sign up for autopay to get LightStream's best terms, and it is an unsecured loan, meaning you may be able to find better rates with a traditional auto lender.

LightStream
Not specified
2.49% (with autopay)
$5,000 to $100,000
36 to 84 months
Not specified
None

Bank of America: Best big bank option

Overview: Bank of America offers flexible and convenient auto loans you can apply for directly on its website. Rates are competitive, and you can qualify for additional discounts if you’re an eligible Bank of America customer.

Perks: Bank of America will finance a minimum of $7,500 ($8,000 in Minnesota). Financing is available in all 50 states and Washington, D.C. Bank of America’s APRs start at 2.29 percent for a new car and 2.49 percent for a used car. If you’re a Bank of America Preferred Rewards customer, you can qualify for a rate discount of up to 0.5 percent off.

What to watch out for: Bank of America requires that the car you're financing be no more than 10 years old, with no more than 125,000 miles and valued at no less than $6,000. Also, if you're applying online, the term range you can apply for is limited — you can only pick a 48-, 60- or 72-month term.

Bank of America
Not specified
2.29%
Starting at $7,500 ($8,000 in Minnesota)
48 to 72 months
Not specified
Loan fee in some states

Capital One: Best for convenience

Overview: Capital One will let you borrow as little as $4,000, but it requires you to purchase the car through one of its participating dealers. In a lot of ways, its financing works as a “one-stop shop” for your auto loan and vehicle purchase.

Perks: The Capital One Auto Navigator site lets you search for inventory in your area and gives you the ability to see how different makes, models and features will impact your monthly payment. This will give you a lot of information before you head to the dealer. Also, the quick prequalification allows you to check your rate through a soft inquiry, so your credit score won’t be impacted.

What to watch out for: You can use Capital One auto financing to shop only at one of its participating dealerships, which makes this a poor option if you find a car you love elsewhere.

Capital One
Not specified
Not specified
Starting at $4,000
24 to 84 months
$18,000 or $21,600
Late fee

Carvana: Best fully online experience

Overview: Carvana lets you shop for a car online and pick up your purchase from a giant “car vending machine.” Its process lets you enjoy a unique experience, yet Carvana also offers competitive car loan rates and terms.

Perks: Carvana is a great option for those who want to shop for their new car from home, as well as those with poor credit. Carvana’s only requirements are that you are at least 18 years old, make $4,000 in yearly income and have no active bankruptcies. When you prequalify, Carvana does not make a hard inquiry on your credit, so your credit score won’t be impacted; a hard inquiry is made only once you place an order.

What to watch out for: After you prequalify, you have 45 days to make a purchase from Carvana's inventory and either pick up the car, have it delivered to you or fly to the car and then drive it back.

Carvana
Not specified
3.9%
Not specified
36 to 72 months
$4,000
Varies

myAutoLoan: Best for shopping for multiple loan offers

Overview: If you want to compare multiple loan offers but you don’t want to spend a lot of time doing it, myAutoLoan is a great option. This platform lets you enter your information once and receive multiple loan offers in one place.

Perks: After filling out a single online loan application, you’ll be given up to four quotes from different lenders. To qualify, you must be at least 18 years old, have an annual income of at least $21,600, have a FICO score of 575 or greater and be purchasing a car with less than 125,000 miles and that is 10 years old or newer. By comparing multiple auto loan offers at once, you can pick the one with the interest rate, loan term and conditions that work for you and your budget without having to shop around.

What to watch out for: If you have poor credit, your interest rate could be on the higher side. Also note that you can use this platform if you live in most states, but not in Alaska or Hawaii.

myAutoLoan
575
1.89%
Starting at $8,000
24 to 84 months
$21,600
Not specified

Frequently asked questions about auto loans

Who has the best rates for car loans?

The company that is able to offer you the lowest rates for an auto loan can vary depending on where you live, your credit score, your employment history and other factors. Your best bet is shopping around among at least three auto lenders until you find the best deal.

Is a 72-month car loan a bad idea?

One problem with longer car loans is the fact that you often wind up “underwater” or "upside-down" on your loan. This is due to the fact that cars tend to depreciate faster than you can pay off your loan.

A 72-month car loan means you’re paying off your loan more slowly and have the potential to owe more than your car is worth for the first few years. However, longer car loans let you secure a more affordable monthly payment, which is likely an important consideration for your budget.

What are used car loan interest rates?

Used car interest rates range from 3.68 percent to 19.85 percent for most borrowers, according to the most recent statistics from Experian. Rates for used cars tend to be higher than those offered for new car purchases.

What credit score do you need to get 0% financing on a car?

Superprime borrowers with credit scores above 781 are most likely to qualify for 0 percent APR offers that sometimes come with a new car. However, you may be able to qualify if you’re a prime borrower with a score between 661 and 780.

How do you get prequalified for an auto loan?

You can get prequalified for an auto loan online and without ever leaving your home. All you have to do is select one of the lenders on this list and choose its online option to “get prequalified” or “apply for a loan.” Many lenders let you get prequalified for an auto loan without a hard inquiry on your credit report.

How do I refinance my car loan?

Refinancing a car loan is essentially just taking out a new car loan — so the steps for applying are mostly the same. You'll need your driver's license, Social Security number and proof of income, as well as details about your car. If approved, you'll use the funds from your new loan to pay off your old car loan, then begin making monthly payments with your new interest rate and terms.

Can I sell my car with a loan?

It is possible to sell your car with an outstanding loan, but you may have to go through a few extra steps. If your car is worth less than what you currently owe on the loan, you have what's known as negative equity — meaning you may need to pay the difference out of pocket or refinance the remaining amount with a different type of loan.

If your car is worth more than what you currently owe, on the other hand, you may be able to pocket the difference in cash when you sell the car. Whatever your situation, reach out to your lender about your options, as each lender sets different rules for selling a car with a loan.

Should I get an auto loan from the dealership or the bank?

Choosing between a dealership and a bank for an auto loan is complicated. In general, dealerships may offer higher rates than banks — but this may not be the case for used cars. Regardless, it's important to get quotes from a few banks or online lenders first; that way you can come to the dealership prepared. Ask for a quote from the dealership as well, comparing rates, terms and any additional fees.

Do I need to make a down payment or provide a trade-in when buying a car?

Many lenders require some form of down payment on a car. However, that's not necessarily a bad thing; making a down payment will lower your monthly payments — and the larger your down payment, the more you save. Making a larger down payment could also lower the interest rate the lender offers you.

Источник: https://www.bankrate.com/loans/auto-loans/rates/

Want to contact us about Capital One auto loan products?

Online Support

Existing Customers

Manage your existing auto loan account or set up automatic payments:

Sign In for existing auto loans

Auto Finance FAQs

New and Used Financing Applications

Questions about the status of an Auto Navigator Pre-qualification:

Sign In for Status

List of eligible dealers

Auto Navigator FAQs

Auto Refinance Applications

Questions about the status of a Refinance Pre-qualification:

Sign In for Status

Auto Refinance FAQs

Contact by Phone

Existing Customers

1-800-946-0332
FAX: 1-866-722-0410

Business Hours:
Mon - Fri, 9 a.m. to 8 p.m. ET
24 hour automated assistance

New and Used Financing Applications

1-800-689-1789

Business Hours:
Mon - Fri, 9 a.m. - 9 p.m. ET
Sat, 10 a.m. - 7 p.m. ET

Auto Refinance Applications

1-833-292-8336

Business Hours:
Mon - Fri, 9 a.m. - 9 p.m. ET

Auto Finance Feedback

Submit an online 'Auto Finance Feedback' form to Capital One Auto Finance

Contact by Mail

Payments

(Please check your statement for the best address and fastest processing)

Capital One Auto Finance
P.O. Box 60511
City of Industry, CA 91716

Overnight Payments

Capital One Auto Finance
Attn: Payment Processing
2525 Corporate Place
2nd floor Suite #250
Monterey Park, CA 91754

Correspondence

Capital One Auto Finance
7933 Preston Road
Plano, TX 75024-2302

FAX: 1-866-722-0410
(Please include reference number)

Источник: https://www.capitalone.com

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New and Used Auto Financing

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.

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App Store is a service mark of Apple Inc.

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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.

Источник: https://www.capitalone.com

Auto Loans

How Auto Navigator Works

Use Auto Navigator to pre-qualify for auto financing prior to visiting a participating dealer. We review the information you provide to determine whether you pre-qualify with no impact to your credit score. If you pre-qualify, you will be able to see your monthly payments, APRs and Offer Summaries for vehicles you may be considering. Remember, your pre-qualification amount can only be used for the purchase of one, personal use vehicle. The Offer Summary will include an estimate of the financing terms you could qualify for when you apply for financing at the dealer. When you are ready to finance a vehicle, take your Auto Navigator Offer Summary to a participating dealer to let them know you are pre-qualified for auto financing with Capital One. Remember, you can use your mobile phone to configure vehicles and compare your options at the dealer! If you have recently applied and funded another loan with Capital One Auto Finance, this might impact your eligibility for a new loan with this pre-qualification.

*Monthly Payment, APR, and Product Terms

*Monthly payment and Annual Percentage Rate (APR) terms are not final until your financing is completed at a participating dealer. These terms are based on information you provide and might change if you update any information on our website or at the dealer. Terms online are provided based on common monthly increments of 24, 36, 48, 60, 72, 75, and 84; however, other terms may be available at the dealership when purchasing the vehicle. Not all consumers qualify for these terms.

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 your credit application submitted at the dealer and any required documents. Auto Navigator terms expire 30 days from the date your application is received.

To pre-qualify, you must be at least 18 years old, have a valid street address within the contiguous United States or an APO/FPO address. Minimum monthly income required is $1,500 or $1,800, depending on your credit qualifications. Any existing Capital One accounts must be in good standing (not over limit, past due, or delinquent).

Using Auto Navigator at a Dealer

When you visit a participating dealer, show them your Auto Navigator Offer Summary for the vehicle you would like to finance or check-in using your pre-qualification. Check-in will allow that dealer to access your pre-qualified terms and preferences, including cars you saved at that dealership (check-in is not available at all dealerships and is not a mandatory step). Then 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. See our FAQs for more information.

Amount Financed Restrictions

For new and used vehicles, the minimum Amount Financed is $4,000. Your maximum Amount Financed may be based on income, key credit characteristics, the vehicle you are purchasing, the details of the financing deal, and/or the specific dealership from which you purchase the vehicle. The Amount Financed may include the vehicle sales 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.

Military Lending Act Requirements

Due to requirements under the Military Lending Act, auto financing for certain members of the Armed Forces and their dependents cannot include GAP, Credit-Life, or Accident & Health Insurance, and other similar products.

APR

APR is the Annual Percentage Rate. Advertised rates 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. A representative example of payment terms is as follows: a $1,000 down payment, an Amount Financed of $22,000 with an APR of 10.00% and a term of 72 months would have a monthly payment of $389.04. Down Payment is required in some situations to complete purchase. APRs shown are current as of March 27, 2019. Advertised and estimated rates are subject to change without notice.

Representative APR is based on the individual's credit and key financing characteristics, including but not limited to the amount financed, term, the loan-to-value (LTV) ratio, and vehicle mileage. Your actual APR will be based on your specific situation.

Dealer Participation Requirements

Capital One Auto Finance provides financing for new and used vehicles purchased from participating dealers listed on our Dealer Locator. Participating dealers are subject to change. We do not offer financing for vehicles purchased from non-participating dealers, auto brokers, or private party sellers. We do not offer financing for lease buyouts.

Vehicle Type Restrictions

Auto Navigator terms can only be used at participating dealer locations in connection with the purchase of a new or used car, light truck, minivan, or SUV intended for personal use. We do not finance certain vehicle makes including but not limited to, Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehicles. We do not 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 (alternatively referred to as a lemon) 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.

+ Vehicle must be 2009 model year or newer and have fewer than 120,000 miles. In some instances, you may be able to purchase a 2007 model year with fewer than 150,000 miles.

Dealer Advertised Inventory

Auto Navigator may not display all vehicles available at participating dealers. If a dealer's advertised inventory is not available in Auto Navigator, your Capital One pre-qualification may still be used at any participating dealer. Inventory availability is subject to change without notice.

Third Party Information

Capital One uses third party information, otherwise available, to enhance your auto financing experience. 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. Please note that third parties provide this information and Capital One does not 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 and 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 include, but are not limited to, document fees, dealer preparation fees, and delivery charges. You should verify with the dealer what is included in the dealer advertised price. We 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.

*Search by Photo Terms of Use

Click here to view Search by Photo Terms of Use

Источник: https://www.capitalone.com
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PAYMENTS

PAYMENT SCHEDULING

Capital One Auto Finance Account Payments

The cut-off time for Incoming Payments to a Capital One Auto Finance loan account scheduled through the Services but not scheduled through the Online Bill Pay service is 4:00 p.m. CST or CDT on Business Days. Incoming Payment requests initiated after the cut-off time will be processed the next Business Day.

If you set-up a recurring payment for your Capital One Auto Finance loan, you, an authorized signer on the account, authorize Capital One Auto Finance, its successors and assigns, and the institution named, to initiate withdrawals from the designated checking or savings account for funds payable to Capital One Auto Finance. This authorization will remain in effect until you notify Capital One Auto Finance to cancel it, in such time as to afford Capital One Auto Finance a reasonable opportunity to act on it.

Please note: You can stop payment of any entry by notifying Capital One Auto Finance in accordance with the cancellation terms in your DPAY or CarPay confirmation.

If funds are unavailable at the time we attempt to debit your checking or savings account or your direct payment is not received for any reason, you will be responsible for forwarding a payment to us. If your payment is not received by the due date, you will be assessed late fees in accordance with your contract.

If you pay with a direct draft that is dishonored or returned, Capital One Auto Finance reserves the right to assess a "Returned Check Fee" in accordance with your contract. If a direct draft is returned, Capital One Auto Finance reserves the right to terminate this authorization and your participation therein.

Capital One Auto Finance will no longer issue monthly periodic statements to users who have established recurring payment instructions through Online Banking.

Online Statements

You are consenting to receive from us by electronic means your monthly periodic statement for your specified auto loan and other disclosures related to this service such as your annual privacy notice. However, you may be sent paper statements or other documents that contain important information about your account. You should continue to review any correspondence that we mail to you.

When your online statement is available, an e-mail notification will be sent to the e-mail address that we have on file. It is your responsibility to update any changes in your e-mail address at our My Info page. If you do not receive an e-mail and believe you should have, please visit our Web site to view your statement and verify your e-mail address. We encourage you to retain a copy of any records you would like to keep.

Hardware and Software Requirements

To access and retain the information subject to this consent, your personal computer needs to support the latest W3C HTML / DOM recommendations and 128 bit SSL encryption.

You will also need Adobe Acrobat to review statements in PDF format, if such statements are available. To read statements in PDF format, you will need to download Adobe Acrobat software into your browser. There is no cost to download this software. If you do not have Adobe you can download it from the following link: http://www.adobe.com/products/acrobat/readstep2.html

To print statements you must have a printer connected to your computer. To download statements, if available, you must have sufficient hard-drive space (approximately 1 MB) to store the statements.

FEES AND CHARGES

Except as provided herein, we do not at this time charge any enrollment fees, recurring usage fees or any other fees for your use of the Services (including viewing your account information. However, we do charge fees in certain circumstances that may arise in connection with your use of the Services (including a Returned Check Fee). If you require additional details, call Capital One Auto Finance Customer Service at 1-800-946-0332. In addition, you shall be subject to all fees, charges, penalties, balance requirements, and other restrictions explained in your account agreements or other Additional Agreements.

Notwithstanding the foregoing, fees are subject to change, and we may impose additional charges, penalties or fees in connection with your use of the Services at any time, subject to the number for capital one auto finance terms hereof.

You agree to promptly pay all fees and charges for services provided through the Services, and you authorize us to automatically deduct all applicable charges and fees from your designated Capital One Payment Account(s) or any other eligible account.

You agree to be responsible for any telephone charges and/or Internet service fees you incur in accessing your account(s) through the Services.

CHANGES IN SERVICES; INTERRUPTIONS IN SERVICE

We may, from time to time and at any time, revise, update, discontinue or otherwise modify, temporarily or permanently, the Services or any part thereof (including, without limitation, the Online Servicing Site, this Agreement, the scope of the Services, and any materials related to the Services), or your access thereto. We will attempt to provide prior notice of any such material changes (by posting a notice of such changes on the Online Servicing Site when t mobile account number and pin prepaid log in, and/or sending a notice to you at the address shown on our records, providing a link to the notice, sending you a secure message, or by any other method as permitted by law), but cannot guarantee that such notice will be provided. Use of the Services after notice has been provided to you constitutes acceptance of such changes.

Notwithstanding the foregoing, whenever reasonably practicable, we will attempt to post or send such notice at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions; provided, that we cannot guarantee that the number for capital one auto finance will provide such notice by such time; and provided further, that we reserve the right to make any such changes effective immediately if necessary to maintain the security of the system or to comply with any laws or regulations. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change.

Changes to the Services may render prior versions of the Services obsolete. Without limiting the foregoing, we reserve the right to terminate this Agreement bank of america check order phone number to all prior versions of the Services and/or related materials and limit access to our more recent versions and updates.

You may choose to accept or decline changes by closing, continuing or discontinuing use of the Services to which these changes relate. Your use of the Services after we make any changes will constitute your agreement to such changes. We also reserve the option, in our sole business judgment, to waive, reduce or reverse charges or fees in individual situations.

We may, from time to time perform maintenance upon the Services or experience hardware, software or other problems related to the Services, resulting in interrupted service, delays or errors in the Services. We will attempt to provide prior notice of such interruptions, delays or errors but cannot guarantee that such notice will be provided.

STATEMENT OF RECORD

Any 160 west commerce avenue gulf shores alabama 36542 united states information provided by the Services is not the statement of record. The periodic monthly statement provided to you electronically is the statement of record. You are responsible for reviewing any statement and other account communications sent to you. Any statement and other account communications will continue to contain important information about your account(s), regardless of whether you access your account(s) through the Services or whether you have chosen to receive your statement electronically.

YOUR RESPONSIBILITIES AND LIABILITIES

It is your sole responsibility to ensure that the contact information in your online servicing user profile is current and accurate. This contact information includes, but is not limited to, the number for capital one auto finance, address, phone numbers, e-mail addresses, and account numbers. Changes can be made either via a secure message within the Services or by calling Capital One Auto Finance Customer Service at 1-800-946-0332 or via US mail. We are not responsible for any payment processing errors or fees incurred by you if you do not provide accurate account or contact information.

Unauthorized Transactions

You will be sent periodic statements for your account(s) with the regularity provided for in your account agreement(s). Your role is extremely important in the prevention of any wrongful use of your account(s). You must carefully examine your statement upon receipt.

Tell us AT ONCE if you believe that an unauthorized transaction has been or may be conducted from your account(s); if you believe another person has improperly obtained your online password(s), Password/PIN or has transferred or may transfer money from your account(s) without authorization; or you suspect fraudulent activity on your account(s).

Call at 1-800-946-0332 anytime, 24 hours a day, 7 days a week. A representative is available between the hours of 7:00 a.m. and 8:00 p.m. CT Monday through Friday. Or write to Capital One Auto Finance ATTN: Customer Advocacy Team 7933 Preston Rd. Plano, TX, 75024, or send us a secure message; or visit https://www.capitalone.com/contact/.

INELIGIBLE ACCOUNTS

Ineligible accounts include:

  • Accounts in active bankruptcy

  • Accounts requiring special handling

  • Account paid in full

TERMINATION

We reserve the right to terminate this Agreement and your access to the Services, in whole or in part, at any time and for any reason. If your auto account is closed for any reason, such account may no longer appear in your online banking profile.

If you wish to terminate your ability to use the Services please call 1-800-946-0332. If you wish to reinstate your access the Services following any such termination (although we reserve the right not to reinstate such Services as we determine in our sole discretion), please call toll-free 1-800-946-0332. Upon termination of the Services, we will endeavor to cancel any applicable account transactions you have previously authorized, provided that we make no guarantee that we will be able to do so. You will be solely responsible for any fees that apply to any such cancellation. Any payment(s) or other transactions that we are not able to cancel or that have already been processed before the requested termination date will be completed. Termination shall not affect your liability or obligations under this Agreement for any transactions initiated prior to termination.

ASSIGNMENT

You may not assign this Agreement or your rights to the Services to any other party.

We may assign this Agreement to our parent corporation or to any now-existing or future direct or indirect subsidiary of our parent corporation, or to any existing or future direct or indirect subsidiary of Capital One, or to any of our existent or future affiliates. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

DATA RECORDING

When you contact us, the communication or the information you provide may be recorded or otherwise retained by us or our service provider. You consent to such recording or other retention. Without limiting the foregoing, you agree that we may record the conversations our employees have with you or your agents. We do this from time to time to monitor the number for capital one auto finance quality of service and accuracy of information our employees give you and to ensure that your instructions are followed.

NO WAIVER

We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is the number for capital one auto finance writing and signed by us. No delay or omission on our part in exercising any right or remedy shall operate as a waiver of that right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

LIABILITY FOR LOSS OR ERRONEOUS DATA

Without limiting any other provision hereof, you will bear the sole liability and risk of any error or loss of data, information, transactions or other losses which may be due to the failure of your Computer or third party communications providers on which you may rely. We shall have no liability to you for any damage or other loss, direct or consequential, which you may incur by reason of your use of your Computer.

HARM TO COMPUTER SYSTEMS/DATA

You agree that we shall have no liability of any kind for viruses, worms, Trojan horses, or other similar harmful components that may enter your Computer by downloading information, software, or other materials from the Online Banking Site or any other Capital One Site.

SHARING INFORMATION/PRIVACY

Please click here for an explanation of how we may use, share and safeguard the information that we collect from you in connection with the Services, and your options regarding our use and sharing of such information.

LIMITATION OF LIABILITY; DISCLAIMERS

Except as otherwise expressly provided herein, your use of the Services is at your own risk. None of the entities comprising Capital One, nor any of their respective officers, directors or employees, nor any other party involved in creating, producing, or delivering the Services is liable for any direct, incidental, consequential, indirect, punitive, or other damages of any kind arising out of your access to or use of the Services, or the inability to access or use the Services, whether caused by Capital One or such other parties, online service providers, any agent or subcontractor of any of the foregoing or any other party.

WITHOUT LIMITING THE FOREGOING, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, THE SERVICES ARE PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WHILE CAPITAL ONE MAKES EVERY EFFORT TO PROVIDE ACCURATE INFORMATION IN CONNECTION WITH THE SERVICES, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, CAPITAL ONE MAKES NO WARRANTY THAT (i) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, or (ii) ANY INFORMATION CONTAINED ON, RESULTS THAT MAY BE OBTAINED FROM THE USE OF, OR OTHER ASPECT OF THE SERVICES WILL BE ACCURATE, CURRENT, COMPLETE OR RELIABLE.

Nothing contained in the Services is intended to provide legal, accounting, tax or financial advice. You should consult your own professional advisor on such matters. Information about products and services which you do not already have with Capital One is provided for informational purposes only and should not be considered as an offer to make those products and services available to you.

SEVERABILITY

If any provision of this Agreement is void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in another jurisdiction or any other provision in that or any other jurisdiction.

AREA OF SERVICE

Unless otherwise agreed by Capital One, the Services described in this Agreement are solely offered to citizens of the United States of America. The United States Export Control laws prohibit the export of certain technical data and software to certain territories. No contents from the Online Banking Site or any other Capital One Site may be downloaded or otherwise exported in violation of United States Law.

COLLECTION EXPENSES

If we have to file a lawsuit to collect whatever you owe us, you will pay our reasonable expenses, including attorneys' fees and court costs as allowed by law.

GOVERNING LAW

This Agreement is governed by and interpreted in accordance with all applicable federal laws and regulations and, as this Agreement applies to each individual account that you may access using the Services, by the state laws and regulations governing such account or the account agreement for such account.

Источник: https://www.capitalone.com

Auto Loans

How Auto Navigator Works

Use Auto Navigator to pre-qualify for auto financing prior to visiting a participating dealer. We review the information you provide to determine whether you pre-qualify with no impact to your credit score. If you pre-qualify, you will be able to see your monthly payments, APRs and Offer Summaries for vehicles you may be considering. Remember, your pre-qualification amount can only be used for the purchase of one, personal use vehicle. The Offer Summary will include an estimate of the financing terms you could qualify for when you apply for financing at the dealer. When you are ready to finance a vehicle, take your Auto Navigator Offer Summary to a participating dealer to let them know you are pre-qualified for auto financing with Capital One. Remember, you can use your mobile phone to configure vehicles and compare your options at the dealer! If you have recently applied and funded another loan with Capital One Auto Finance, this might impact your eligibility for a new loan with this pre-qualification.

*Monthly Payment, APR, and Product Terms

*Monthly payment and Annual Percentage Rate (APR) terms are not final until your financing is completed at a participating dealer. These terms are based on information you provide and might change if you update any information on our website or at the dealer. Terms online are provided based on common monthly increments of 24, 36, 48, 60, 72, 75, and 84; however, other terms may be available at the dealership when purchasing the vehicle. Not all consumers qualify for these terms.

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 your credit application submitted at the dealer and any required documents. Auto Navigator terms expire 30 days from the date your application is received.

To pre-qualify, you must be at least 18 years old, have a valid street address within the contiguous United States or an APO/FPO address. Minimum monthly income required is $1,500 or $1,800, depending on your credit qualifications. Any existing Capital One accounts must be in good standing (not over limit, past due, or delinquent).

Using Auto Navigator at a Dealer

When you visit a participating dealer, show them your Auto Navigator Offer Summary for the vehicle you would like to finance or check-in using your pre-qualification. Check-in will allow that dealer to access your pre-qualified terms and preferences, including cars you saved at that dealership (check-in is not available at all dealerships and is not a mandatory step). Then 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. See our FAQs for more information.

Amount Financed Restrictions

For new and used vehicles, the minimum Amount Financed is $4,000. Your maximum Amount Financed may be based on income, key credit characteristics, the vehicle you are purchasing, the details of the financing deal, and/or the specific dealership from which you purchase the vehicle. The Amount Financed may include the vehicle sales 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.

Military Lending Act Requirements

Due to requirements under the Military Lending Act, auto financing for certain members of the Armed Forces and their dependents cannot include GAP, Credit-Life, or Accident & Health Insurance, and other similar products.

APR

APR is the Annual Percentage Rate. Advertised rates 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. A representative example of payment terms is as follows: a $1,000 down payment, an Amount Financed of $22,000 with an APR of 10.00% and a term of 72 months would have a monthly payment of $389.04. Down Payment is required in some situations to complete purchase. APRs shown are current as of March 27, 2019. Advertised and estimated rates are subject to change without notice.

Representative APR is based on the individual's credit and key financing characteristics, including but not limited to the amount financed, term, the loan-to-value (LTV) ratio, and vehicle mileage. Your actual APR will be based on your specific situation.

Dealer Participation Requirements

Capital One Auto Finance provides financing for new and used vehicles purchased from participating dealers listed on our Dealer Locator. Participating dealers are subject to change. We do not offer financing for vehicles purchased from non-participating dealers, auto brokers, or private party sellers. We do not offer financing for lease buyouts.

Vehicle Type Restrictions

Auto Navigator terms can only be used at participating dealer locations in connection with the purchase of a new or used car, light truck, minivan, or SUV intended for personal use. We do not finance certain vehicle makes including but not limited to, Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehicles. We do not 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 (alternatively referred to as a lemon) 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.

+ Vehicle must be 2009 model year or newer and have fewer than 120,000 miles. In some instances, you may be able to purchase a 2007 model year with fewer than 150,000 miles.

Dealer Advertised Inventory

Auto Navigator may not display all vehicles available at participating dealers. If a dealer's advertised inventory is not available in Auto Navigator, your Capital One pre-qualification may still be used at any participating dealer. Inventory availability is subject to change without notice.

Third Party Information

Capital One uses third party information, otherwise available, to enhance your auto financing experience. 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. Please note that third parties provide this information and Capital One does not 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 and 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 include, but are not limited to, document fees, dealer preparation fees, and delivery charges. You should verify with the dealer what is included in the dealer advertised price. We 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.

*Search by Photo Terms of Use

Click here to view Search by Photo Terms of Use

Источник: https://www.capitalone.com

Let’s change
everything

Search by Team

We’re one big team divided by expertise — let’s find where yours is.

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Find jobs that reflect your personal interests and experience.

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You’re tenacious and driven, so the last place you want to work is some boring bank. Same.

  • WORK & CULTURE

    Life at
    Capital One

    Individually and collectively, we’re impacting millions of people and shaping the future of banking. Every day, we work alongside some of the brightest, most resilient people in the industry, each doing their part to make a difference by building strong communities and delivering truly disruptive tech.

    Learn About Our Culture
  • DIVERSITY, INCLUSION & BELONGING

    Changing
    banking for good,
    for all

    We’re committed to building a diverse and inclusive workforce. We know that it only takes one person to make an impact, and if we want to change banking for good, we need different perspectives that represent the customers we innovate for and serve every day.

    See How We Take Action

Innovation for Impact

Michelle, Capital One associate, sits in her kitchen and talks about finding success in being herself at work

Finding Success at Work While Being Yourself

Learn how Michelle found even more success at Capital One after opening up about being gay, having navy federal credit union certificate of deposit rates loss and being an introvert.

Patrick Ens, Capital One Canada President, canoes with his family

Empathetic Leadership During a Time of Crisis

Find out what Patrick Ens, President of Capital One Canada, has learned about leading through a crisis and supporting associates’ mental health.

Capital One gives tips on networking virtually while you work from home

4 Tips To Build Your Network Virtually

Thanks to modern technology and social media, social distancing doesn’t mean putting networking on hold. Video chats, emails and LinkedIn messages can take the place of in-person meetings, at least for the time being. Learn how connecting with new people, or deepening existing relationships may even be welcomed!

Diane, Capital One Executive Vice Present and CIO, stands at her laptop in her remote office

Using Inclusive and Intentional Language at Work

Tech leaders promote using inclusive language and making us all aware of where our words come from.

View More Stories

Start your journey

We’re excited about where it may take you! Begin your job search or connect with us about future opportunities.

Источник: https://www.capitalonecareers.com/

Contact Capital One Customer Service

Capital One Phone Numbers and Emails

Toll-Free Number:

  • (800) 228-3001

    Credit Card Rewards

Customer Service:

  • (800) 695-5500

    Apply For A Credit Card

  • (888) 263-4582

    Auto Refinance Applications

  • (888) 754-4371

    Capital One Merchant Services

  • (800) 228-3001

    Credit Card Rewards

  • (888) 464-0727

    Existing Customers

  • (800) 946-0332

    Existing Customers

  • (888) 810-4013

    For Non-Branch Account

  • (800) 655-2265

    For Retail Branch Banking Accounts

  • (800) 227-4825

    For servicing of existing accounts only

  • (888) 464-7868

    Interactive Phone Services

  • (804) 476-3030

    International Collect

  • (804) 476-3040

    International Collect

  • (800) 689-1789

    New And Used Financing Applications

  • (800) 289-1992

    New Customers

  • (877) 442-3764

    Online Banking Assistance

  • (804) 934-2001

    Outside The Us

  • (800) 926-1000

    Personal Loans

  • (804) 967-1000

    Report A Lost Or Stolen Atm/debit Card

  • (877) 357-5659

    Report Death Of A Cardholder

  • (800) 219-7931

    Secured Card

  • (844) 887-7275

    Small Business Banking

  • (888) 755-2172

    Small Business Banking

  • (800) 867-0904

    Small Business Credit Card

  • (877) 383-4802

Fraud Protection:

  • (800) 427-9428
  • (800) 239-7054

Media:

  • (888) 817-2970

    Opt out of marketing solicitations

Capital One Emails:

Claims

Subpoena Questions

Jobs/ Career

More phone numbers and emailsLess phone numbers and emails

Capital One Contact Information

Corporate Office Address:

Capital One

1680 Capital One Drive

Mclean,Virginia22102

United States

Other Info (opening hours):

Other Location:

2 Bethesda METRO Center,

Bethesda, MD 20814

8020 Towers Crescent Dr,

Vienna, VA 22182

Mailing Address:

DMCA Agent

15000 Capital One Drive

Richmond, VA 23238

Edit Business Info

Capital One Rating Based on 682 Reviews

Rating details

Product or Service Quality

Rating Details

Product or Service Quality

Diversity of Products or Services

Discounts and Special Offers

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the number for capital one auto finance All 1.8K Capital One reviews

Summary of Capital One Customer Service Calls

2.5K TOTAL
CALLS

05:43 AVG CALL
DURATION

17% ISSUES
RESOLVED

Top Reasons of Customers Calls

Consumers Call the Most From

Why Do People Call Capital One Customer Service?

Cards Question:

  • “I received my card in the mail”
  • “I think I lost my card”
  • “Apply for another card”

Payments and Charges Question:

  • the number for capital one auto finance “Make payment”
  • “Billing ussue”
  • “Billing”

Request for Information Question:

  • “Checking on a credit card”
  • “Check my balance”
  • “Checking my account”

Account Question:

Product/ Service Question:

Shipping and Delivery Question:

  • “Tarjeta de credito”
  • “I have not received my replacement card yet and I need it”
  • “Verificación de tarjeta de crédito mastercard”

Activation/ Cancellation Question:

  • “Activate credit card”
  • “Activate my account”
  • “배송을 받고 싶지 않아 취소하고 싶어요. 보낸 사람에게 돌려주는 방법은 없나요? 제발 부탁드려요 (I want to cancel because I don't want to receive the delivery. Is there any way to return it to the sender? Please pl”

Employment Question:

Return/ Replace Question:

Website/ Application Question:

  • “Check up on application status”
  • “Application & changed my mind and now want permission for more information”
  • “Application Status”

Staff Question:

  • “Customer service”
  • “Customer serviceJarvis”
  • “I am unhappy with your offshore phone bank Services”

Refund Question:

  • “Refund on auto loan account”
  • “Make sure i got my refund”
  • “Gap refund check”

Other Question:

About

Capital One Terms of Service

To read more: https://www.capitalone.com/legal/terms-conditions

Capital One Privacy Policy

To read more: https://www.capitalone.com/identity-protection/privacy

Top Capital One Services

Customer Care, Loan, Auto Loan

Top Capital One Products

Credit Card, Account, Platinum Credit Card

Capital One Pros and Cons

Pros: Lost all my trust, Negative, I had faith in this company, Hanging up the phone, Used to like all of their services

Cons: Horrible customer service, Poorly handled, Given the runaround, Unprofessional, Inept customer service with zero empathy

Related Companies

Capital One 360, Sharebuilder, ING Direct, Chevy Chase Bank, Capital One Investing

Summary

Capital One Financial Corporation is a bank holding company headquartered in Virginia. It provides various kinds of financial services: banking, home loans, auto loans, issues credit cards (to the predatory individuals as well) and specialize in different savings products. Capital One is the winner of the Warton Infosys Business Transformation Rewards. It has one of the best innovative credit card products strategies in the US. Capital One Bank was created in 2006 after the acquisition of North Fork Bank by the corporation. Capital One is a sponsor of some football teams. The company is also represented in the UK, Canada and Spain.

Capital One reviews and complaints

Capital One is ranked 114 out of 787 in Banks category

Area Served

USA, Worldwide, Canada, Asia

Payment Methods

VISAMasterCardPayPal

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Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.

Источник: https://capital-one.pissedconsumer.com/customer-service.html

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