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The Big Payoff

Two chances to win every month.

December 1, 2018 – March 31, 2019

Enter The Big Payoff ® sweepstakes for a chance to have Capital One® make a month's payment or even pay off your entire loan.


Step one

Sign In or Set Up Online Access


Step two

Make your payment online or with the Capital One Mobile App


Step three

Good Luck! (There's no Step 3!)

Already have a Capital One account? Sign In

The Big Payoff Enters You in Two Drawings Each Month.

50 winners get their next month's payment on us!*
One lucky winner gets their entire auto loan paid off!*

Already have a Capital One account? Sign In

From some of our previous winners:

I actually won! And it couldn't have come at a better time, with it being the holidays. It's definitely a gift. Shannon H, Auto Finance Customer

Have questions? We've got the answers.

How do I enter The Big Payoff?

By making a payment during the sweepstakes period (December 2018 - March 2019) via a Capital One digital channel (website, mobile app, or recurring payments), you will be entered into that month’s monthly drawings. Multiple payments in the same month will not get you extra entries. You can only enter each monthly sweepstakes drawing once. See the Official Rules for additional information, including an alternative method of entry.

How do I confirm I am entered in The Big Payoff?

If you make your payment through a digital channel, you will receive a confirmation email within one week of your payment posting to your account.

What can I win?

When you enter The Big Payoff, you are automatically entered for a chance to have Capital One (1) make a month’s payment on your behalf or (2) pay off your full auto account. Each month you enter the sweepstakes, you get two chances to win. While only one lucky winner will have their auto account paid off each month, fifty (50) winners will be chosen to receive the monthly payment prize.

How do I know if I have won?

Potential winners will be notified either by phone or email with instructions on how to claim the prize. Each potential winner has 48 hours to respond with the requested information or the prize will be forfeited.

How do I know if I'm eligible to enter The Big Payoff?

You must be a legal resident of the 50 US states or DC and at least 18 years of age. In order to be awarded a prize, an individual who is a Capital One Auto Finance customer must have his/her account current (i.e., no more than three [3] days past due) as of the close of each monthly sweepstakes and at the time the prize is awarded. See Official Rules for additional information.

NO PURCHASE NECESSARY. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING. Sweepstakes starts 12/1/18 at 12:00 AM ET and ends 3/31/19 at 11:59:59 PM ET. Sweepstakes consists of 4 separate Drawing Periods: 12/1/18 to 12/31/18, 1/1/19 to 1/31/19, and 2/1/19 to 2/28/19, 3/1/19 to 3/31/19. Open only to eligible legal 50 US/DC residents, 18 years and older. Click here for Official Rules and complete details, including how to enter online or by mail, important dates for each Drawing Period, odds of winning, prize information, restrictions, etc. Void where prohibited. Msg & data rates may apply. Sponsored by Capital One, N.A. 15075 Capital One Drive 2nd Floor, Richmond VA 23238.