Capital One

4.4 of 5starsRead Reviews
Recommended 62%

4.4 of 5starsRead Reviews
Recommended 62%

Lender Summary

When you’re pre-qualified, you unlock personalized financing terms with Auto Navigator from Capital One. With Auto Navigator, you can find a car and see your real rate and monthly payment before visiting the dealer—giving you everything you need all in one powerful place. 


Lender Notes 
 Search millions of cars and see your real rate and monthly payment for each. You can even build your deal and adjust things like down payment, term length, and more. Save time at the dealership by showing them you're pre-qualified with Capital One, then complete a credit application to finish up your financing. 


Offer Conditions 
Your Capital One pre-qualification expires 30 days from the date your request for pre-qualification is received. Your Auto Navigator pre-qualification can only be used at participating dealer locations in connection with the purchase of a new or used car, light truck, minivan, or SUV intended for personal use. Vehicle must be 2010 model year or newer and have fewer than 120,000 miles. In some instances, you may be able to purchase a 2008 model year with fewer than 150,000 miles. For new and used vehicles, the minimum Amount Financed is $4,000. Other conditions may apply, see www.capitalone.com/cars for more details. 


Offer Description 
To see your real rate and monthly payment while you shop cars, click “continue”, to login.

What they're saying

4073 Reviews Ratings & Reviews

(4.4 of 5) 4073 Reviews

Interest Rates

Average
Fees & Closing Costs

Average
Responsiveness

Good
Customer Service

Average

Review Breakdown

5 Star

(2459)
4 Star

(1117)
3 Star

(195)
2 Star

(71)
1 Star

(231)

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Showing 3 star reviews | Show all reviews

(3 of 5)

Recommended

They Gave Me No Chance

Well highly recommended, myself personally wish they would have approved my loan cause it's a little piece to the bigger picture that I've saw with my own eyes Uber was going to be my choice after being approved with the credit card to move forth an pick a reliable source of transportation. ....

LendingTree Customer:

Yes
Loan Type:

Auto Loan or Auto Refinance
Review Type:

Lender Review

(3 of 5)

Recommended

no longer qualified after Irma!

I was qualified for a car loan, but, took my time in buying one. then came Hurricane Irma the time limit passed and now I don't qualify! even though nothing changed !

LendingTree Customer:

Yes
Loan Type:

Auto Loan or Auto Refinance
Review Type:

Lender Review

(3 of 5)

Quick & Easy Terrible Offer

Can't complain about the application process, but their offer!? ... 13% APR? That's crazy. But hey!, thanks for the offer! Nice to know I can get $30k in a jiffy if I need to disappear to the Bahamas or something.

LendingTree Customer:

Yes

(3 of 5)

Recommended

High rate than other offers

Capital one offered me 4.69% while others offered 2.75% (with about $400 in fees), 3.99%, 3.75%. I went with the 3.75% with no fees. Just the title fee.

LendingTree Customer:

Yes

(3 of 5)

No Change in the Refi Amount

They refinanced at the same exact amount.

LendingTree Customer:

Yes

(3 of 5)

Recommended

Said No.*.Oh Well

Not surprised they turned me down for a re-fi. they turn me down for everything I apply for with them. Will move on.

LendingTree Customer:

Yes

(3 of 5)

A bad experiance

They work with select dealerships and even I got approved for more that I requested I can't buy the car that I want because it's not one of their dealers

LendingTree Customer:

Yes

(3 of 5)

Recommended

Current Customer, not approved

I've had a loan on a new car for about 2 years with Capital One and a Credit Card. Both have been in good status the entire time. I pay early AND pay off the credit card monthly. They came back as my only option on this site and right away declined me. I'm looking at a new car that will only have a balance about $2k above what I owe now and have cash to make up the difference PLUS down. They don't use common sense, they use a weird algorithm.

LendingTree Customer:

Yes

(3 of 5)

questions

I applied 1st time and was approved but couldn't take the loan for personal reasons. I was approved a 2nd time, though no one contacted me to tell me that, then I received a letter to let me know I was denied because I had a loan pending .. What?? I called and the the customer service agent gave me the runaround and wouldn't explain anything in fact over and over her respons was that I was welcome to apply to other lenders if I wasn't happy with them. I have since applied again and was approved. I applied for $28,000 but was granted 33,600 .. hmmm at 6.920%. Thats pretty hight and I don't expect to use the 33,000 as I'm going to get a KIA. We'll see how this all shakes out and the response from the dealer.

LendingTree Customer:

Yes

(3 of 5)

Recommended

misleading

I applied for high mileage car loan which was clearly stated on application, yet was sent an approval letter. whats the point of entering accurate information if approvals aren't based on what is entered.

LendingTree Customer:

Yes

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Capital One

Lender Summary

What they're saying

Review Breakdown

Showing 3 star reviews | Show all reviews

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Capital One

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