Dealer Instructions
Specific dealer instructions are listed in each customer's personalized Blank Check loan package. The following FAQ are intended to answer questions that dealers may have about the Capital One Blank Check program. If a dealer has additional questions about the Blank Check program or is reluctant to accept a Blank Check, please refer them to this page or ask them to call our Customer Service department toll-free at 1-800-689-1789, Option 8.

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1.	Where may I use the Capital One Blank Check?
2.	When will the dealer receive payment from Capital One?
3.	What are Capital One's vehicle requirements for Blank Checks?
4.	What are Capital One's LTV limits for the Blank Check?
5.	How does Capital One calculate LTV for Blank Checks?
6.	What does Capital One define as a "new vehicle" for LTV purposes?
7.	What dealer documentation does Capital One require before the Blank Check can be deposited?
8.	What is your fax number for purposes of submitting dealer documentation for Blank Checks?
9.	What are the Capital One titling requirements for Blank Checks?
10.	Is there a way for dealers to confirm that Capital One has received the required dealer documents prior to depositing the Blank Check?
11.	Are there any extended warranty/service contract limits for Blank Checks?
12.	Can Gap insurance be included in the loan amount of a Blank Check?
13.	How can I contact Capital One if I have a question about a Blank Check or dealer documentation requirements?

1.	Where may I use the Capital One Blank Check?

Capital One Auto Finance only provides financing for new and used vehicles purchased from select franchised dealers listed on our Dealer Locator. We do not offer financing for vehicles purchased from independent used car dealers, auto brokers or private party sellers.

2.	When will the dealer receive payment from Capital One?

Capital One guarantees payment of the Blank Check within one business day of presentment if all dealer requirements have been met and the proper documents have been verified and submitted. Specific dealer requirements will be listed on the “Dealer Instructions” page of the customer’s Blank Check loan package.

3.	What are Capital One's vehicle requirements for Blank Checks?

Capital One only finances new and used cars, light trucks, minivans and SUVs that will be used for personal use. Vehicles must be 7 years or newer and have less than 70,000 miles. We do not offer financing for commercial vehicles, motorcycles or recreational vehicles. Other ineligible vehicles include: ATVs, amphibious vehicles, armored vehicles, boats, branded/junk/salvaged title vehicles, camper vans, conversion vans, dump trucks, freight liners, gray market vehicles, kit cars, lemon vehicles, limousines, motor homes, taxis, tow trucks, tractor trailers, vehicles that do not have a Vehicle Identification Number (VIN) or title issued to it, vehicles with greater than 1 ton payload capacity.

4.	What are Capital One's LTV limits for the Blank Check?

LTV limits can vary and will be specified on the "Dealer Instructions" page of the customer's Blank Check loan package as well as on the Blank Check itself.

5.	How does Capital One calculate LTV for Blank Checks?

For new vehicles, LTV is based on the vehicle’s invoice price. For certain vehicles that qualify for a manufacturer rebate, we will reduce the invoice price by the average rebate amount for that specific make/model. See the customer's Blank Check package insert to see if vehicle will have a rebate reduction. For used vehicles, LTV is based on the Kelley Blue Book wholesale value or NADA trade-in value (depends on the customer's state of residence and will be listed in the customer’s loan package).

6.	What does Capital One define as a "new vehicle" for LTV purposes?

New vehicles are defined as vehicles that have never been titled, are the current or next year's model, and have fewer than 6,000 miles.

7.	What dealer documentation does Capital One require before the Blank Check can be deposited?

Specific dealer documentation requirements will be listed on the "Dealer Instructions" page of the customer's Blank Check loan package.

8.	What is your fax number for purposes of submitting dealer documentation for Blank Checks?

Dealer documents should be faxed to 1-800-390-5145. Please make sure the customer reference number is on the cover page of our faxed documents.

9.	What are the Capital One titling requirements for Blank Checks?

Capital One Auto Finance, Inc. must be listed as the first and only lienholder. Our address for titling purposes is: P.O. Box 255605, Sacramento, CA 95865, 1-800-689-1789, lien filing code 75216377801. Vehicle must be titled in customer's state of residence. Only the borrower(s) listed on the Blank Check may be listed as registered owner(s).

10.	Is there a way for dealers to confirm that Capital One has received the required dealer documents prior to depositing the Blank Check?

Yes. Prior to depositing the Blank Check, visit www.verifycheckonline.com or call us at 1-800-689-1789, Option 8 during business hours.

11.	Are there any extended warranty/service contract limits for Blank Checks?

Extended warranty/service contracts can be included without limit as long as they fit within the maximum amount to finance and LTV guidelines.

12.	Can Gap insurance be included in the loan amount of a Blank Check?

We do not finance Gap insurance policies or other insurance products as part of our Blank Check program.

13.	How can I contact Capital One if I have a question about a Blank Check or dealer documentation requirements?

Please call us toll-free at 1-800-689-1789, Option 8 during our business hours to speak with a Customer Service Representative so that we can answer any questions.