Capital One Auto – Personal Loan
Capital One Auto Navigator offers fast online auto loan pre-qualification with no impact on credit and financing for new, used, and refinanced vehicles.
Applying does not obligate you to accept a loan offer.
Capital One Auto Loan – Review 2026
Capital One Auto Navigator is one of the most-used online tools for car financing in the United States. It lets you pre-qualify with a soft credit pull and shop for cars at thousands of participating dealerships nationwide.
Capital One Auto Loan Details
Loans run from $4,000 to $75,000 with terms of 36 to 75 months. APRs start at 7.40% for new vehicles and slightly higher for used. Pre-qualification has no impact on your credit score.
✓ Pros
- Soft-pull pre-qualification
- Large dealer network
- Strong mobile experience
- Trusted national bank
✗ Cons
- Must buy at participating dealer
- No private-party purchase
- Minimum loan $4,000
Loan Example
Example: $25,000 used car loan over 60 months at 9.99% APR = monthly payment of $531.18, total payable $31,870.80.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident
- ✓ Minimum monthly income $1,500-$1,800
- ✓ Credit score 500+
- ✓ Valid US driver license
Loan Features
- Pre-qualification with soft pull
- Loans up to $75,000
- 12,000+ participating dealers
- New, used, refinance options
- Mobile app management
Frequently Asked Questions
Pre-qualified in minutes after submitting your application.
The minimum amount at Capital One Auto is $4,000 USD.