Auto Refinance — Spend 15 Minutes and Start Saving Money!

Auto Loan Refinancing is a Breeze

  • Apply online
    It's fast and free with a response in minutes
  • Save $500 per year on average1
  • Rates as low as 3.69% APR2*
  • It only takes 15 minutes to see what you could save
Get started with auto refinancing

Take a tour of the Capital One refinancing auto loans process.

Car Payment Calculator

Enter your loan amount, interest rate, 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  

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Ready to refinance your auto loan?

Get started refinancing your auto loan Want to learn more about the process? Take a tour.

Rates as low as 3.69% APR2* 

Auto Refinance Rates
Auto loan refinance APR2 as low as
24 to 48 mos 3.69%*
49 to 72 mos 4.19%*
Your actual car loan interest rate (APR) depends on your credit rating. View important disclosures.

How it works

Our great rates aren't the only thing you'll like about financing your next car with Capital One Auto Finance. Our loan process couldn't be simpler. Or faster.

  • Apply now—See your approved rates 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.

Why It Pays to Refinance

Save money by lowering your auto payments.

You can lower your auto payments by $500 per year on average by refinancing with Capital One Auto Finance. With Capital One's simple and no hassle auto refinance process, it's easy to get a low car payment.

 

Top Frequently Asked Questions

Read our full car loan FAQ.

*View Auto Loan disclosures. Your privacy is important to us. We do not spam. Read our privacy policy.

1

Yearly Payment reduction claim is based on average payment reduction our customers experience over a year with their new loan (same or a long 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.

2

APR
APR is the Annual Percentage Rate. Rates quoted 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 with no down-payment required. Advertised rates are subject to change without notice.