Auto Loans

Frequently Asked Questions

1 How do I access my auto loan online?
2 How do I link my auto loan account to other Capital One accounts?
3 How long does it take for a payment to post to my auto loan account?
4 Can I make extra payments? If so, how will the extra payments be applied to my account balance?
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?
6 Can I make a payment online for more or less than my regular payment amount?
7 How can I make a one-time payment?
8 How do I set up recurring payments?
9 Can I change the payment due date?
10 Are there any additional fees associated with online payments?
11 Can I make an auto loan payment with my credit or debit card?
12 Can I payoff my auto loan through Capital One Online Banking?
13 What is the difference between current balance and “total amount due?”
14 When will phone or Web payments post to my online account balance?
15 Where can I find my payoff balance?
16 After I have paid off my loan, when will I get my title?
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?
18 I moved to a different state, how do I get a copy of my title to register my car?
19 If my name has changed, how do I change it on my title?
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?
21 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 its subsidiaries.) How do I get this check endorsed?
22 I receive an error message while attempting to sign in with Firefox.
23 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?
24 How do I dispute information on my credit report?
25 Where can I submit Auto Finance Feedback online?

Would You Like To Talk To Us?

For existing auto loans

1 (800) 946-0332

For Auto Navigator and refinance information

1 (800) 689-1789

Important Disclosures and Requirements

Vehicle Type Restrictions
Capital One Auto Finance only finances new and used cars, light trucks, minivans and SUVs that will be used for personal use. Vehicles must be 7 years old or newer.

We do not finance 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, lemon vehicles, branded title vehicles, 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.

Loan Amount Restrictions
Minimum loan amount is $7,500. You may apply for a loan amount of up to $40,000 for new and used vehicles and $40,000 for refinance loans. Your actual loan amount will be limited based on the value of the specific vehicle that you are purchasing or refinancing. For new vehicles, value is based on invoice price. For used vehicles, value is based on Kelley Blue Book wholesale value or NADA trade-in value (depending on your state of residence). The amount of this limitation may vary and will be specified in your loan package as the "LTV" (loan-to-value) limit. For example, if the value of the vehicle that you are buying is $20,000 and your LTV limit is 110%, then your loan amount will be limited to $20,000 x 110% = $22,000.

Refinancing Restrictions
Your current lender must be an FDIC or NCUA insured financial institution. Most banks, credit unions, and larger auto finance companies meet this requirement. Your current loan must not be serviced by Capital One Auto Finance.

You must refinance the full payoff amount of your existing auto loan subject to our minimum and maximum loan amounts. We do not offer cash-back refinancing or lease buyouts.

If you have a GAP policy on your current loan, your GAP agreement will have language confirming whether your GAP policy terminates upon refinancing or whether coverage continues. This information is usually found in the limitations and exclusion section of your agreement, or the part of your agreement that addresses expiration or early termination. Please also contact your GAP provider for any questions or concerns. Please be aware that Capital One Auto Finance will only payoff your existing auto loan and will not finance new GAP coverage if your current GAP provider cancels the coverage upon refinancing the original loan.

Refinance Documentation Requirements
After you apply and are approved to refinance an auto loan with us, we will need some or all of the following documentation:

Proof of Income
Based on your credit, you may need to provide Proof of Income documentation.

Vehicle Title
You will need to send us your vehicle title if you reside in one of the following states: KS, KY, MD, MI, MN, MO, NY, OK, SD, WI. In all other states we will obtain the title directly from the state agency which holds your vehicle title.

Limited Power of Attorney to Modify Vehicle Title
In order to modify your vehicle title to show Capital One Auto Finance as the new lienholder we will need you to sign a limited Power of Attorney document which authorizes us to make this change at the Department of Motor Vehicles (DMV).