REFINANCE IN 3 EASY STEPS

STEP ONE

Pre-qualify in minutes

Simply tell us about yourself, your car and current loan to see what you could save. There’s no commitment and no impact to your credit score to do a soft inquiry and see your offers.

STEP TWO

Select a custom offer

If approved, choose an offer, eSign the contract and confirm any details necessary. We’ll wait to do a hard credit check until we’ve verified all of your required information.

STEP THREE

Finalize and save money

We’ll pay off your lender and help transfer your title so you can start managing your auto loan from your Capital One mobile app.

Laptop and plant on a table

BENEFITS OF REFINANCING

Beyond a lower
car payment

Pay off faster
Auto refinancing is a good way to reassess the length of your loan term. We might be able to help you shorten it, so you can pay your car off faster. Pre-qualify to see real numbers and loan terms without hurting your credit score.

Lower APR
Not happy with your annual percentage rate (APR)? Let’s see if we can change that. Auto refinancing could help lower your APR. And that could lead to saving money or paying off your car faster—or both. Pre-qualify to see real APR offers without hurting your credit score.

Capital One mobile
Make car payments, view balance details and manage your auto loan along with your other Capital One accounts right from your phone.

Hear from others we’ve helped refinance
  • 5 Star
    87%
  • 4 Star
    8%
  • 3 Star
    2%
  • 2 Star
    1%
  • 1 Star
    2%
4.8
based on 24744 reviews
95 %
of reviewers recommend Auto Refinance
4.8
based on 24744 reviews
95 %
of reviewers recommend Auto Refinance
  • 5 Star
    87%
  • 4 Star
    8%
  • 3 Star
    2%
  • 2 Star
    1%
  • 1 Star
    2%

Learn more about how to refinance your car.