Refinance your auto loan in three easy steps. First, apply to see your approved rates and find out how much you could save. E-sign to complete the second step for auto loan refinance. Just enter your Vehicle Identification Number and sign online.  Finalize to finish up the third and last step. We’ll tell you what documents you need to complete the auto loan refinance process. 

Apply online – there’s no
fee! If approved, see your
APR and how much you
could save in minutes.

Enter your Vehicle
Identification Number
and sign online.
We'll tell you what
documents you need
to complete.




For more information, please Review our auto loan refinancing FAQ.

Ready to refinance your auto loan?

Our current auto refinance rates* 

Finance term APR1 as low as
24 to 72 mos 3.99%

*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

It pays off the refinance

Save money by lowering your auto payments.

Our customers lower their auto payments by $737 per year on average2 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.

2 Yearly Payment reduction claim is based on average payment reduction our customers experience over a year with their new loan (same or a longer term) compared to their prior yearly loan payments. Yearly payment reduction may result from a lower interest rate, a longer term or both. Your actual savings may be different.