Yes. When you visit a participating dealer, you will be required to complete a credit application at the dealer which will result in one or more inquiries posted to your consumer credit report (Please see #8 for more details on this). You will also sign a retail installment contract with the dealer disclosing your purchase and financing terms.

The impact will be similar to if you, like many car buyers, simply visited a dealer and worked with the dealer to get financing. In that case, you would submit a credit application to the dealer, who typically would send your application to several lenders. The lenders would evaluate your application and your credit, resulting in inquiries on your credit report.

When you visit a participating dealer, you will have to complete a credit application which will result in one or more inquiries posted to your consumer credit report. Keep in mind that a final financing decision will be subject to confirmation of the information you provided and receipt of a credit application from the dealer. You will also sign a retail installment contract with the dealer disclosing your purchase and financing terms.

You should consider alternative financing offers carefully. Ask the dealer to show you the Amount Financed (which will include your negotiated vehicle price plus tax, title, licensing fees and optional products like GAP coverage and extended warranty), as well as the monthly payment, term, and Annual Percentage Rate. Using a mobile device, you can log into Auto Navigator to review your offer and see how your Capital One monthly payment, APR, and repayment terms compare to any alternative offer.

Be sure to bring your printed Pre-qualified Offer Confirmation page (also accessible on your mobile device) and let the dealer know that you want to use your offer from Capital One.

Check your Auto Navigator Home page or Pre-qualified Offer Confirmation page to see if you will have to bring any documents to the dealer. You have the option of using our online tool to securely upload, or fax (1-800-390-5145), these documents and allow us to verify your information prior to visiting the dealer to save time at the dealer. If you choose not to upload these documents before going to the dealer, be sure to bring them with you when you go to purchase a vehicle.

Yes, you can trade in your vehicle when using your Auto Navigator offer. After you negotiate and agree on the trade-in price of your vehicle and the price of the vehicle you wish to purchase, the dealer will handle the payoff of your trade-in and close the sale of your new vehicle. The dealer will charge or credit you with the difference between the value of your trade-in and the payoff amount on your contract.

The difference between the value of the car you are trading in and the amount you owe is the net trade-in value and may impact your financing terms. Enter your trade-in value and the amount owed on your trade-in in the corresponding fields within the Build My Offer feature associated with the vehicle you're interested in to see how your terms may change.

Websites, such as Kelley Blue Book and NADA, may help you research fair trade-in values for certain vehicles. By clicking on the “Get Blue Book value” link, you will be re-directed to the Kelley Blue Book website. You can get a trade-in value by following the steps listed on their website. Remember, this is just an estimate and this trade-in price is negotiable with the dealer.

Selecting a vehicle on the Auto Navigator website does not guarantee that a dealer will have the exact car you are looking for. Please call the dealer before going there if you want to check the availability of the exact model you have selected using the Auto Navigator website.

When you fill out the credit application at the dealer to use your Auto Navigator pre-qualification offer, you may be interested in, or the dealer may offer you additional products, like extended warranties, service contracts and GAP coverage.

You should evaluate the products independently to determine whether they make sense for you from both a product and financial standpoint. These products are not offered by or through Capital One.

Service contracts and extended warranties are optional products commonly offered by dealers either directly or through third parties. These products extend or supplement manufacturers’ warranties, covering certain repairs or services on your vehicle.

GAP is an optional coverage that provides extra financial protection in the event of the total loss of a vehicle due to collision or theft. Generally, regular auto insurance covers damages up to a vehicle’s current market value, not what you owe on the vehicle. GAP typically covers part or all of the difference between the balance of what you owe on a vehicle and what the insurance company pays if the car is considered a covered total loss.

The maximum Amount Financed may vary depending on the value of the vehicle you choose to purchase. To find out the maximum amount you're eligible to finance for a particular vehicle, use the Auto Navigator Build My Offer option on the Vehicle Details page to configure specific vehicles you are considering. Please keep in mind this amount may include the sales price of the vehicle, applicable taxes and fees, and any optional warranty or insurance products you choose to purchase.

The maximum Amount Financed is also subject to verification of the personal income you stated on your questionnaire.

Cash down may be required if the total cost of the vehicle you’re considering, after any trade-in, is more than the maximum Amount Financed listed in your offer. In that case, you would have to put cash down in order to purchase that vehicle. In all cases, the Amount Financed may include the vehicle sales price, tax, title, licensing fees, dealer fees, and optional products like GAP coverage and extended warranty.

No, Capital One incorporates dealer advertised listings from third parties for your convenience and to enhance your auto shopping and financing experience. Capital One does not own or have any interest in the vehicles, and has not endorsed or evaluated the condition of the vehicle or accuracy of the listing.

If you have any questions about the vehicle you are considering, please contact the dealer for additional information.

Other information, such a vehicle ratings and reviews, are not endorsed or sponsored by Capital One or automobile manufacturers. They are provided by third party suppliers.

This is the price the dealer has advertised for the sale of the vehicle. Dealer advertised price shown may be negotiable and may not include tax, title, license, and other applicable fees. All questions regarding price should be directed to the dealer.

No, Capital One will not participate in any of the negotiations between you and the participating dealer with respect to the sale of the vehicle. However you can use Capital One Auto Navigator to help you take control of the details of your financing for vehicles you are considering before going to a participating dealer.

We calculated the estimated sales tax for this vehicle using a generally applicable motor vehicle sales tax in the state where the dealer is located. This does not account for a trade-in, which some states accept and may help reduce your taxable basis. Your taxable basis is the amount on which the sales tax is calculated. If sales tax is not charged by the dealer at the time of purchase, the state will collect the taxes when you register the vehicle. For more information, please contact your local DMV office. Applicable tax rates are subject to change without notice.

We also included an estimate of title and license fees. All of these estimates are provided for informational purposes only, and your actual tax, title and license fees may vary.

Enter a make, model, body style or condition into the search field. You can continue to refine the search by filtering or sorting your results.

Dealer advertised inventory is updated on our website daily. However, dealer inventory is subject to being sold and may change without notice. Please call the dealer to check the availability of the vehicle you are considering.

Dealer advertised inventory might not be available for all participating dealers. If dealer advertised inventory is not available in Auto Navigator, or if the inventory is not available in your market, your Capital One pre-qualification may still be used at any participating dealer.

This field is pre-populated with the dealer advertised price, but remember, the price you pay for the vehicle is subject to negotiation and agreement with the dealer. Websites, such as Kelly Blue Book and NADA, may help you research fair market prices for certain vehicles.

Whether you're browsing the Vehicle Results page or viewing the vehicle details, click the heart icon to save the vehicle to easily access the listing from your Saved Cars. You can log back in at any time to view your Saved Cars.

If the dealer advertised price is available, but you cannot see financing terms,* click the “edit your terms” link to adjust the Amount Financed by the amount specified for that vehicle. Adjustments can be made to the down payment, net trade-in, any optional costs and the dealer advertised price. Remember, the dealer advertised price is subject to negotiation with the dealer.

If the dealer advertised price, or pricing information, for a particular vehicle is unavailable, Auto Navigator will be unable to provide your financing terms* for that vehicle. If pricing information becomes available, the available listings will automatically update during our next refresh to provide your financing terms.* Information is updated as of the time indicated on the search results and vehicle details pages.

Please note that you can still take your pre-qualification offer to the dealer and work with the dealer to get financing for these vehicles. You may also choose to use Auto Navigator on a mobile device while at the dealer to help with your experience.

In other instances, you may see error messages that prevent you from viewing financing terms* because of certain restrictions. These scenarios include:

• If you are over your maximum Amount Financed, as stated in your pre-qualification offer, you will have to add a down payment or trade in to see the monthly payment or APR* information.
• Capital One does not finance vehicles under $4,000. If you are below the minimum Amount Financed ($4,000), you will have to remove some of your down payment or trade in to see the monthly payment or APR* information.
• Capital One does not finance vehicles older than 10 years.
• Depending on the vehicle mileage, certain vehicles with exceedingly high mileage may not be displayed online.

You can check the status of your pre-qualification offer or documentation requests online by logging into your Auto Navigator pre-qualification offer. You will need your ZIP code and the last 4 digits of your Social Security number to access your pre-qualification offer status.

You may also check your pre-qualification offer status by calling our automated system at 1-888-571-1528 or reach a Customer Service Representative, available by phone during our business hours which are Mon-Fri 9 a.m. – 9 p.m. ET and Sat 10 a.m. – 7 p.m. ET.

You will receive a confirmation email upon receipt of any submitted documents. You can also view the status of any pending requested documents online once you have logged into your Auto Navigator pre-qualification offer.

To avoid processing delays, please be sure to include your reference number, as indicated in your dashboard, when sending documentation requests to us.

W-2 Employees: You must provide a copy of your most recent pay stub. The pay stub must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 45 days of the submitted date. A 90-day history is required to include overtime, commission, and bonuses. From January through April, a W-2 or yearend pay stub from the prior year (in addition to the most recent pay stub) is necessary to include income other than base salary.

W-2 Employees with Handwritten Pay Stubs: If you receive non-computer-generated pay stubs, you must submit a signed and dated letter from your employer on company letterhead stating your name, date of hire, year-to-date income, pay frequency, and taxes withheld. In addition, we must receive either (1) copies of your three most recent complete bank statements reflecting consistent, consecutive deposit amounts, or (2) copies of your three most recent concurrent cashed handwritten paychecks.

1099 Employees: You must be employed with your current employer for at least 2 years, provide copies of your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts, as well as a verifiable HR phone number. Please note: in order for 1099 income to be considered, "self-employed" you must have selected it as the "employment status" when submitting your information.

Self-Employed: You must be self-employed for at least two years, and provide copies of your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts. Please note: in order for 1099 income to be considered, "self-employed" you must have selected it as the "employment status" when submitting your information.

New W-2 Employment Income: If you who have not received your first pay stub, you must submit a letter of employment or offer-letter signed and dated on company letterhead stating your name, start date, base pay, and a verifiable HR phone number. You must have already started your new job. We will not accept a pay stub from a previous employer.

Second Job: Income from a second job will be considered if you have been employed at the secondary job a minimum of six months.

Tip Income: In order for tip income to be considered, it must be included in your earnings listed on your pay stub.

Temporary Workers: If you are an employee of temporary staffing agencies, you must be on a full-time assignment and provide a copy of your most recent pay stub showing a minimum of 90 consecutive days of income and taxes withheld. We will not accept a pay stub from a previous employer.

Military Income: In order for military income to be accepted you must submit a copy of the most recent Leave and Earnings Statement (LES) showing year-to-date income. A 90-day history is required to include income beyond base pay, BAH, and BAS. From January through April, a W-2 or yearend LES from the prior year (in addition to the most recent LES) is necessary to include additional income.

Seasonal Income: You must be currently and actively employed. You must be a W-2 employee with a minimum of 2 years with your seasonal employer. You must provide your previous two years' W-2's, and your most recent pay stub. The pay stub must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 45 days of the submitted date.

Child Support / Alimony / Foster Care: In order for child support/ alimony to be accepted, you must submit a copy of the signed and dated court order*, which clearly states the dollar amount to be paid. In addition, you must provide either the three most recent child support/alimony pay stubs, or three most recent months' bank statements showing the deposits. *Only the pages of the court order that contain your name, amount to be paid, judge's signature and date are required.

Social Security Benefit / Permanent Disability / Pension: In order for social security benefits, permanent disability, or pension income to be accepted, you must submit either (1) a copy of their dated benefit letter* (no older than one year from the submitted date) with your name or social security number, and benefit amount or (2) your most recent bank statement that shows the direct deposit(s) indicating source and amount. *If you receive social security income or other benefit compensation on behalf of another person, you must submit a benefit letter with the same criteria showing the amount is payable to you on behalf of that person.

Worker’s Compensation: In order for Worker’s Compensation to be accepted you must submit a copy of your dated benefit letter (no older than one year from the submitted date) with your name or social security number, and benefit amount. Disability must be permanent or partial-permanent.

IRA / 401K / Retirement: In order for IRA, 401K, or other retirement income to be accepted you must submit either (1) your previous year's tax form 1099-R, (2) a copy of their dated benefit letter (no older than one year from the submitted date) with your name or social security number, and benefit amount, or (3) your most recent bank statement that shows the direct deposit(s) indicating source and amount.

Annuity / Trust Fund: In order for income from an Annuity or a Trust Fund to be accepted, you must submit either (1) a copy of a benefit letter (dated within one year of the submitted date) naming you as the beneficiary, and including the source, amount, and term, or (2) three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts.

Union Workers: Salaried union workers who work multiple jobs during the course of the year must submit either (1) copies of all current-year pay stubs to establish total year-to-date earnings, or (2) your most recent pay stub along with a letter from Union Local on letterhead that states your name, membership date, and year-to-date earnings.

Income Paid in Foreign Currency: You must provide your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts showing the income is being deposited into a U.S. bank and converted to U.S. dollars. A copy of the pay stub in foreign currency is not accepted.

Office of Family Assistance (OFA): In order for OFA income to be accepted, you must submit written documentation from the appropriate state office showing the amount and identification of the beneficiary.

Rental Income: Rental income is considered self-employed income (see above requirements).

Lottery Winnings: Lottery winnings will be considered if you receive regular payments. Your must provide documentation from the State Lottery Board showing your name, payment amount, and pay frequency. A one-time lump sum payment will not be considered as income.

Grants & Financial Aid: Grants and/or financial aid income is not accepted.

Capital Gains and Dividends: Capital gains, dividends, and/or any other income reported on a tax form 1099-DIV at yearend is not accepted.

If you did not submit this request for a pre-qualification offer with us and think that someone else may have improperly used your identity to request a pre-qualification offer, please call us at 1-888-571-1528.

Identity theft is a serious national problem. If you think you have been the victim of identity theft we recommend taking one or more of the following steps immediately:

• Contact the credit bureaus at the numbers referenced above to check for errors on your credit bureau report.
• File a police report.
• You may want to seek the advice of an attorney.
• Visit www.consumer.gov/idtheft, the Federal Trade Commission's Web site on identity theft.