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| 1.
| How do I access my auto loan online?
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You can access your auto loan online through our convenient Online Banking service.
New auto loan customers should wait to enroll in Online Banking until you have received your Welcome Letter in the mail. You will typically receive your Welcome Letter via U.S. Mail within 7- 10 business days of Capital One finalizing your loan. If you have questions or problems receiving your Welcome Letter, please contact us at 1-800-946-0332 during business hours (M-F 9am-9pm EST).
Existing auto loan customers can easily enroll in Online Banking with the information provided on your monthly statements. To enroll in Online Banking, visit www.capitalone.com/autoloans/enroll. |
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| 2.
| How do I link my auto loan account to other Capital One accounts?
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| After you have enrolled and logged in to Online Banking, click on "Link Accounts" on the Self Service tab and follow the instructions provided to easily link all of your Capital One accounts.
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| 3.
| How long does it take for a payment to post to my auto loan account?
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| All payments are posted at the close of business on the business day they are received. After your payment has posted, it will be processed and appear on your account the following business day. To get your most recent payment history, view it online by logging in to your account.
Please allow a minimum of seven business days for your payment made by mail to be received.
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| 4.
| Can I make extra payments? If so, how will the extra payments be applied to my account balance?
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| Yes, you can make payments to your loan at any time. If you pay more than your Total Amount Due from your statement on or before your Payment Due Date, we will apply the extra amount to your next month's payment. This will be reflected in your next month's statement as a reduction in your "Current Amount Due".
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| 5.
| I had a fee on my account and I tried to pay it last month. My invoice shows the payment I made was allocated to my next month’s payment instead of the fee. Why?
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Your payment was applied to your next month's payment because your payment was received after your payment due date.
Payments received are posted to your account in the following order:
1) current payment due, including any past due payments, then
2) any unpaid fees.
Payments will only be applied to unpaid fees when your payment is received before the due date of the current payment due, or when there is no payment due. |
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| 6.
| Can I make a payment online for more or less than my regular payment amount?
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| Yes, you can now make a payment online for any amount greater than $1.00.
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| 7.
| How can I make a one-time payment?
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| You can make a one-time online payment by logging in to your account and clicking on the “Pay Now” button next to your auto loan. Next, click the “One-time Payments” button and follow the directions. You will need your bank account information to complete the transaction.
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| 8.
| How do I set up recurring payments?
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| You can set up recurring payments by logging in to your account and clicking on the “Payments” button next to your auto loan. Next, click the “Recurring Payments” button, and follow the directions. You will need your bank account information to set up your transactions.
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| 9.
| Can I change my payment due date?
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| Yes, your payment due date can be moved up by as many as 15 calendar days. Certain fees and restrictions may apply for this service. Please contact customer service at 1-800-946-0332 to discuss changing your payment due date.
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| 10.
| Are there any additional fees associated with online payments? |
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| There are no additional fees for making online payments.
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| 11.
| Can I make an auto loan payment with my credit or debit card?
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| No. Capital One Auto Finance does not accept credit or debit cards for making an auto loan payment. Western Union and Money Gram do accept credit and debit cards to wire transfer funds to Capital One Auto Finance.
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| 12.
| Can I payoff my auto loan through Capital One Online Banking?
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| Yes, you can pay off your loan through Capital one Banking; however, make sure that you obtain an actual payoff amount through Capital One Banking or by calling our automated system at 800-946-0332 to ensure you are paying the full balance with any fees and/or interest incurred.
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| 13.
| What is the difference between current balance and “total amount due?”
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| The current balance reflects only the principal balance of your loan. Total amount due includes the principal balance, accrued interest and any applicable fees.
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| 14.
| When will phone or Web payments post to my online account balance?
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All payments received before 5 p.m. eastern time are posted at the close of business on the business day they are received. Payments received after 5 p.m. eastern time, on weekends, or other non-business days such as federal holidays, will post at the close of the next business day. After your payment has posted, it will be processed and appear on your account the following business day.
Example: Payments received on Tuesday before 5 p.m. eastern time will be visible on Wednesday, assuming neither of these days is a federal holiday.
View your most recent payment history online by logging in to your account.
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| 15.
| Where can I find my payoff balance?
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| Your loan payoff balance can be viewed online by logging in to your account. The balance quoted is good for 10 days, to allow ample time for your payoff to be received and posted. Any overpayment will be refunded within 30 days.
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| 16.
| After I have paid off my loan, when will I get my title?
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The time it takes to receive your title varies. It could take up to 30 days to release your title. However, if you paid your balance with guaranteed funds, such as a bank issued Cashier’s Check, it could be released in as little as seven business days. Your state’s processing requirements also affect the outcome, as some states process titles electronically, while others do not. Contact your local titling or registration authority to determine its title transfer process.
For more detailed information on your Capital One account, please call Capital One Customer Service at 800-946-0332.
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| 17.
| I want to sell my car, but I have an outstanding balance. How can I get my title so I can give it to the buyer?
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| Capital One Auto Finance only releases a title or its equivalent, when the loan is paid in full.
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| 18.
| I moved to a different state, how do I get a copy of my title to register my car?
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| Refer to your new state of residence for its registration requirements. If your new state requires a copy of the title in order to register your car, please fax a titling or registration authority form to Capital One at 916-854-5616.
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| 19.
| If my name has changed, how do I change it on my title?
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| Refer to your new state of residence for its registration requirements. If your new state requires a copy of the title in order to register your car, please fax a titling or registration authority form to Capital One at 916-854-5616.
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| 20.
| Do I have to continue making payments if I was involved in an accident and my insurance company says my vehicle is a Total Loss?
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Borrowers are responsible for making their monthly payment until the loan is paid in full. If a Total Loss event has occurred, please call Capital One Customer Service at 800-946-0332 and provide us with your complete insurance information, so we can begin working toward a final settlement with your insurance. You will need to provide us with your insurance policy number, date of loss, settlement amount, adjustor name and contact information. You may also have your insurance adjustor contact us on your behalf.
You will be responsible for any balance, if one remains, after your insurance pays the settlement. If you have GAP insurance or other debt protection coverage, Capital One will be able to provide you the information needed to file the necessary claims.
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| 21.
| I was involved in an accident and my insurance company issued me a check made payable to Capital One Auto Finance (or its subsidiaries.) How do I get this check endorsed? |
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| Endorse the check and send it along with any requested supporting documentation to Capital One Auto Finance directly at: Capital One Auto Finance, P O Box 260848, Plano, TX 75026-0848. Our support team will endorse the settlement check and overnight it to the body shop. You’ll need to call 800-946-0332 to notify Capital One Auto Finance customer service of your accident. You will also need to provide the Capital One customer service agent with complete body shop details.
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| 22.
| I was involved in an accident and my insurance company says my vehicle is a Total Loss. I purchased GAP coverage from the dealer. How do I file a claim? |
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| Please refer to your GAP policy for specific information on coverage and how to file a claim. If you can not locate the GAP policy you purchased from the dealer, please contact the dealer directly to obtain a copy.
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We ask for your ZIP Code as product offerings and features may differ among geographic locations. You may change your ZIP Code at any time. Please note that whether the products you view (based on the zip code you enter) are available may depend on your state of residence or the branch which you visit.
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