Refinance and you could lower your payments by $737 per year on average1
Your time is valuable. Use it to get the fast savings you deserve. Capital One makes auto refinancing so quick and convenient, you can do it in just minutes—see just how much you can save.
- Apply now—If approved, see your APR and how much you could save in minutes.
- E-Sign—Enter your Vehicle Identification Number (VIN) and sign online.
- Finalize—We'll tell you what documents you need to complete.
PLUS, we’ll even help pay off your old loan.
So get going! It’s free and fast to see how much you can save.
Car Refinance Payment Calculator
Enter your loan amount, APR, and loan term in the fields provided, or use our sliders to estimate how much your monthly payment will be. See full auto loan calculator
Most approvals within minutes–it’s free to apply!
Our current auto refinance rates*
|Finance term||APR2 as low as|
|24 to 48 mos||3.69%|
|49 to 72 mos||4.19%|
*Rates listed for auto loan refinance only. Your actual APR (Annual Percentage Rate) depends on several factors. View full disclosures.
Why It Pays to Refinance
Save money by lowering your auto payments.Our customers lower their auto payments by $737 per year on average1 by refinancing with Capital One Auto Finance. With Capital One's simple and hassle-free auto refinance process, it's easy to get a low car payment.
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, term, vehicle characteristics, and selecting the Automated Payment Option in the Billing Choice section of your loan application. 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. Advertised rates are subject to change without notice.