It won't hurt your credit to check for savings.

Want to lower your car payment? Pre-qualifying lets you see offers and potential savings before you submit to a hard credit inquiry.

(Seriously, this will not impact your credit score.)



I want to save money

Things may have changed since you bought your car, which means you might be in a better position to lower your car payment or your annual percentage rate (APR)—or both. That could translate to immediate savings every month or long term over the life of your auto loan. Pre-qualify to see real numbers without hurting your credit score.

Refinancing your car is easier than you might think.

Pre-qualify in minutes.

Tell us about yourself and your vehicle to see what you could save. There’s no commitment and no impact to your credit score.

Confirm your details.

Pick the offer that best fits your goals and then finish the credit application online. As with any loan, we'll need to post an inquiry to your consumer credit report and confirm any details necessary to complete a final contract.

Enjoy your savings.

We’ll take care of paying off your old auto loan and help you transfer your title once you’re approved. Welcome to your new auto loan!

Just ask the thousands of others we’ve helped refinance.

Auto Refinance Average Customer Rating

Matt, Kansas

"This is my second time using Capital One Auto Refinance. I saved a lot of money both times. Quick and easy to apply, and I love the online app to keep track of all my accounts.”

Kailey, California

“Great customer service! I would recommend to anyone. I have several accounts with Capital One and the service is amazing.”

Gerry, Florida

“This was the quickest, most hassle free car loan I have ever done. Plus I saved on my interest rate. Thank you, Capital One!”

Justin, Washington

“My rate is much lower, my payments went down, and the processing of the loan was lightning fast! Terms and disclosures were very transparent.”

See if refinancing your car is right for you.

Pre-qualify with no impact to your credit score to see if an auto refinance could help your budget go further.

Learn more about how to refinance your car.