Auto Loans

Frequently Asked Questions

Account Questions

1 How can I access my auto loan online?
2 How can I update my personal information?

Payment Questions

1 Can I make a payment online for more or less than my regular payment amount?
2 When does my payment post to my auto loan account?
3 How do I make an online payment?
4 How do I set up recurring payments?
5 How do I change my payment due date?
6 Are there any fees associated with making a payment?
7 What are my payment options?
8 How are payments processed online and through the mobile app?
9 How are payments applied to my loan?
10 How can I update my recurring payment plan information?
11 Can I pay ahead?

Payoff Questions

1 Where can I find my auto loan payoff amount?
2 Can I pay off my auto loan online?
3 What payment methods are available to pay off my loan?
4 Does the way I pay off my loan matter?
5 After I have paid off my loan, when/how will I get my title?
6 Is any further action recommended if I own the vehicle lien-free after it is paid off?
7 I paid off my loan in the past, but I cannot find my title or lien release. What should I do?
8 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?
9 Does Capital One refinance its own loans?

Total Loss/Physical Damage Questions

1 I was involved in an accident and my vehicle has been deemed a Total Loss. What should I do?
2 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?
3 I purchased GAP coverage from the dealer. How do I file a claim?
4 I was involved in an accident and my insurance company issued me a check to get my car repaired. The check is made payable to Capital One Auto Finance (or one of its subsidiaries). How do I get this check endorsed?
5 What happens if I’m in an accident and my insurance company pays me more than is needed to cover the repairs?
6 What happens if I’m in an accident but don’t use the insurance money to fix my car?

Loan Questions

1 What is the difference between Principal Balance and Payoff Amount?
2 I moved to a different state, how do I get a copy of my title to register my car?
3 If my name has changed, how do I change it on my title?
4 How does my loan work?
5 What can I do with Auto Loan Tracker?
6 How does interest work on my loan?
7 How do late payments affect my loan?
8 Why does my loan still have an outstanding balance at maturity?
9 How does changing my due date affect my loan?

General Questions

1 How do I dispute information on my credit report?
2 Where can I submit Auto Finance Feedback online?
3 I haven’t received my welcome letter, what should I do?
4 I haven’t received a payment coupon book, what should I do?
5 How can I view my auto loan online?
6 What are your online features?
7 How is my information reported to credit bureaus?

Important Disclosures and Requirements

How Auto Navigator Works

Use Auto Navigator to pre-qualify for auto financing prior to visiting a participating dealer. We review the information you provide to determine whether you pre-qualify with no impact to your credit score. If you pre-qualify, you will be able to see your monthly payments, APRs and Offer Summaries for vehicles you may be considering. Remember, your pre-qualification amount can only be used for the purchase of one, personal use vehicle. The Offer Summary will include an estimate of the financing terms you could qualify for when you apply for financing at the dealer. When you are ready to finance a vehicle, take your Auto Navigator Offer Summary to a participating dealer to let them know you are pre-qualified for auto financing with Capital One. Remember, you can use your mobile phone to configure vehicles and compare your options at the dealer! If you have recently applied and funded another loan with Capital One Auto Finance, this might impact your eligibility for a new loan with this pre-qualification.

*Monthly Payment, APR, and Product Terms

*Monthly payment and Annual Percentage Rate (APR) terms are not final until your financing is completed at a participating dealer. These terms are based on information you provide and might change if you update any information on our website or at the dealer. Terms online are provided based on common monthly increments of 24, 36, 48, 60, 72, 75, and 84; however, other terms may be available at the dealership when purchasing the vehicle. Not all consumers qualify for these terms.

Pre-qualification does not guarantee that you will receive financing or any particular financing terms, which are subject to change based on our evaluation of your credit application submitted at the dealer and any required documents. Auto Navigator terms expire 30 days from the date your application is received.

To pre-qualify, you must be at least 18 years old, have a valid street address within the contiguous United States or an APO/FPO address. Minimum monthly income required is $1,500 or $1,800, depending on your credit qualifications. Any existing Capital One accounts must be in good standing (not over limit, past due, or delinquent).

Using Auto Navigator at a Dealer

When you visit a participating dealer, show them your Auto Navigator Offer Summary for the vehicle you would like to finance or check-in using your pre-qualification. Check-in will allow that dealer to access your pre-qualified terms and preferences, including cars you saved at that dealership (check-in is not available at all dealerships and is not a mandatory step). Then you will fill out a credit application and provide any information needed for review to complete your financing. A credit application at the dealer will result in one or more inquiries posted to your credit file. After negotiating purchase terms and receiving dealer credit approval, you will sign a contract with the dealer reflecting both your purchase and financing terms. Your purchase will result in a retail installment contract with the dealer as the original creditor. See our FAQs for more information.

Amount Financed Restrictions

For new and used vehicles, the minimum Amount Financed is $4,000. Your maximum Amount Financed may be based on income, key credit characteristics, the vehicle you are purchasing, the details of the financing deal, and/or the specific dealership from which you purchase the vehicle. The Amount Financed may include the vehicle sales price, tax, title, licensing fees, dealer fees, and any optional products like service contract and/or extended warranty that you choose to purchase from the dealer.

Military Lending Act Requirements

Due to requirements under the Military Lending Act, auto financing for certain members of the Armed Forces and their dependents cannot include GAP, Credit-Life, or Accident & Health Insurance, and other similar products.


APR is the Annual Percentage Rate. Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and vehicle characteristics. A representative example of payment terms is as follows: a $1,000 down payment, an Amount Financed of $22,000 with an APR of 10.00% and a term of 72 months would have a monthly payment of $389.04. Down Payment is required in some situations to complete purchase. APRs shown are current as of March 27, 2019. Advertised and estimated rates are subject to change without notice.

Representative APR is based on the individual's credit and key financing characteristics, including but not limited to the amount financed, term, the loan-to-value (LTV) ratio, and vehicle mileage. Your actual APR will be based on your specific situation.

Dealer Participation Requirements

Capital One Auto Finance provides financing for new and used vehicles purchased from participating dealers listed on our Dealer Locator. Participating dealers are subject to change. We do not offer financing for vehicles purchased from non-participating dealers, auto brokers, or private party sellers. We do not offer financing for lease buyouts.

Vehicle Type Restrictions

Auto Navigator terms can only be used at participating dealer locations in connection with the purchase of a new or used car, light truck, minivan, or SUV intended for personal use. We do not finance certain vehicle makes including but not limited to, Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehicles. We do not offer financing for commercial vehicles, motorcycles, recreational vehicles (RVs), ATVs, boats, camper vans, motor homes, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buy back (alternatively referred to as a lemon) branded title vehicles, lease buyouts, or vehicles without a Vehicle Identification Number (VIN) or title issued. We may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us.

+ Vehicle must be 2009 model year or newer and have fewer than 120,000 miles. In some instances, you may be able to purchase a 2007 model year with fewer than 150,000 miles.

Dealer Advertised Inventory

Auto Navigator may not display all vehicles available at participating dealers. If a dealer's advertised inventory is not available in Auto Navigator, your Capital One pre-qualification may still be used at any participating dealer. Inventory availability is subject to change without notice.

Third Party Information

Capital One uses third party information, otherwise available, to enhance your auto financing experience. Third party information includes, but is not limited to, trade-in values, car images, dealer reported mileage, fuel economy, dealer advertised price and car details, and car history reports. Please note that third parties provide this information and Capital One does not make any express or implied representations or warranties with respect to the accuracy of the third party information. You should verify the accuracy of any third party information on your own. All trademarks are the property of their respective owners.

Vehicle images may not be representative of the dealer advertised vehicle. Cars are subject to prior sale and availability should be confirmed with the dealer. Dealer advertised prices are subject to change without notice.

Dealer advertised prices may be negotiable and may not include tax, title, license, and other fees charged by the dealer. Other fees may include, but are not limited to, document fees, dealer preparation fees, and delivery charges. You should verify with the dealer what is included in the dealer advertised price. We provide a historical estimate of tax, title, and license fees to show you how they impact your financing terms.

Any available car history reports are provided by CarFax®. You can visit the CarFax® website for additional information on their services. Trade-in valuations are powered by Kelley Blue Book® data to provide estimates of what you may be able to receive from the dealer by trading in your car. Kelley Blue Book® Price Advisor is also powered by Kelley Blue Book® data to provide you with information on what other customers have paid for like cars in your area. Kelley Blue Book® valuation methods are not determined or maintained by Capital One. You can visit the Kelley Blue Book® website for additional information on their services. Third party websites, such as Kelley Blue Book® and CarFax®, are not maintained by Capital One.

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