Current Auto Loan and Financing Rates

The rate chart below shows our available financing types and terms and the Annual Percentage Rate (APR) for each. Lock in rates for 45 days for new car financing, used car financing, or auto refinancing. Here, you can view car loan rates at 36 month, 48 or 60 month, and 66 or 72 month terms. Capital One Auto Finance only finances new and used cars, light trucks, minivans and SUVs that will be used for personal use.

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Current New and Used Auto Financing Rates

Available loan types and terms and the Annual Percentage Rate (APR) for each
Financing Type 36 or 48 or 60 mos 66 or 72 mos
Purchase New Vehicle
APR1 as low as
1.99% 2.49%
Purchase Used Vehicle (Dealer)
APR1 as low as
2.89% 3.39%

Current Auto Refinance Rates

Auto Refinancing rates table
Loan Type 24 to 72 mos

Refinance Auto Loan2
APR1 as low as

3.99%

 For new and used auto financing:  APR is the Annual Percentage Rate. Advertised rates are offered depending on the individual’s excellent and substantial credit, and key financing characteristics, including but not limited to the amount financed, a term less than or equal to 60 months, a loan-to-value (LTV) ratio of less than or equal to 90% and a new vehicle. A representative example of payment terms are as follows: an Amount Financed of $20,000 with an APR of 7.50% and a term of 60 months would have a monthly payment of $400.76. APRs shown are current as of March 1, 2015. Advertised rates are subject to change without notice.  For Refinancing:  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  Capital One only refinances auto loans that you have with other lenders, not including Capital One or its subsidiaries.