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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.)


 

See if I pre-qualify

Already started an application?

Pick up where you left off


HOW AUTO REFINANCING COULD HELP YOU

I want to save money I want to pay off my car faster I want to lower my APR


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.

See if I pre-qualify

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!

Hear from others we’ve helped refinance
 * 5 Star
   
   88%
 * 4 Star
   
   8%
 * 3 Star
   
   2%
 * 2 Star
   
   1%
 * 1 Star
   
   1%
   

4.8
based on 21149 reviews
96 %
of reviewers recommend Auto Refinance
4.8
based on 21149 reviews
96 %
of reviewers recommend Auto Refinance
 * 5 Star
   
   88%
 * 4 Star
   
   8%
 * 3 Star
   
   2%
 * 2 Star
   
   1%
 * 1 Star
   
   1%
   

Reviews managed by Bazaarvoice — Learn more about the Bazaarvoice Authenticity
Policy

See all reviews

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.

See if I pre-qualify

Learn more about how to refinance your car.

See auto refinance FAQs
Important Disclosures and Requirements

How auto refinancing works

 * Step 1: Pre-qualify. Submit a pre-qualification request with no impact to
   your credit score. If you pre-qualify, you can browse your auto refinancing
   offers and savings with no obligation to move forward.
 * Step 2: Choose your offer and submit your credit application. If you like an
   offer, move forward with a credit application. This will result in a hard
   inquiry on your credit report and will impact your credit score.
 * Step 3: Sign your contract. Sign your contract and confirm your current
   lender information.
 * Step 4: Finalize. We’ll pay off your current lender, update your title
   documents (you may need to mail your title to us, depending on your state)
   and let you know if we need anything else.

Visit our FAQs to learn more about Capital One Auto Refinance.

Personal requirements
To pre-qualify for refinancing, all applicants must be at least 18 years of age
and must not be deceased or imprisoned. Applicants must have a valid physical
street address within the contiguous United States (addresses in Alaska, Hawaii,
Puerto Rico, etc. are not eligible). P.O. box addresses are not eligible for
refinancing (except for Army/Fleet P.O. addresses). Applicants must be in good
standing (not over limit, past due or charged off) on any existing Capital One
account, and on any mortgage and auto loan (including the auto loan you wish to
refinance). There must be no material changes to your credit in the last 90
days, including, but not limited to, becoming delinquent on any debt, filing for
bankruptcy or foreclosing on a mortgage obligation. You must not have 3 or more
open Capital One Auto Finance accounts or an aggregate limit over $100,000 with
Capital One. There is a minimum monthly income requirement of $1,500, and your
income must be sufficiently greater than your monthly debt obligations and
living expenses. We must be able to verify each applicant’s identity as required
by law and to obtain each applicant’s credit report.

Applicants must not have an open bankruptcy at the time of refinance
pre-qualification and credit application, a bankruptcy discharged after opening
the loan sought to be refinanced, and must not have had a dismissed bankruptcy
after or within the 5 years prior to opening the loan sought to be refinanced.

Pre-qualification terms
Pre-qualification does not guarantee that you will receive financing or any
particular financing terms, which are subject to change based on our evaluation
of your credit application and any required documents. Your monthly payment and
amount financed may vary depending on when your loan is finalized, your first
payment due date and what we find when verifying your information. Your
pre-qualification expires 30 days from the date your pre-qualification request
is received. You may use your pre-qualification on the expiration date, but not
on any day thereafter. After pre-qualification, you will have at least 15 days
from when you submit your credit application to provide any required information
or documents and to sign your contract. If your offer expires before you are
ready to refinance, please submit another pre-qualification request to check
your eligibility for a new offer.

Pre-filled information
If you are currently a Capital One customer, you may have the option to pre-fill
certain fields of your pre-qualification request using information you have
previously provided to Capital One, including, but not limited to, name, address
and contact information. Capital One does not guarantee that any pre-filled
information is current, complete or accurate. You should independently verify
the accuracy of any pre-filled information. Capital One may require additional
verification to prove that any information provided in your pre-qualification
request, including pre-filled information, is accurate.

Vehicle requirements and restrictions
Capital One Auto Finance only refinances cars, light trucks, minivans and SUVs
that will be used for personal use. Vehicles must be no older than 10 years and
have an established resale value. Capital One does not refinance the following
vehicles: vehicle makes no longer in production (such as Suzuki or Isuzu),
commercial vehicles, motorcycles, recreational vehicles (RVs), ATVs, boats,
camper vans, motor homes, vehicles with a history of chronic malfunctions and/or
manufacturer or dealer buyback vehicles (alternatively referred to as lemons),
salvage title vehicles, branded title vehicles, lease buyouts or vehicles
without a vehicle identification number (VIN) or title issued. We may determine
a vehicle to be for commercial use or otherwise ineligible based on the model
and/or information provided to us. The vehicle must be located within the
contiguous United States.

Loan amount restrictions
The minimum loan amount is $7,500 and maximum loan amount is $75,000. Your
maximum loan amount may be based on your income, key credit characteristics, the
vehicle you are refinancing and the amount due to your current lender. Your
current loan balance cannot be significantly greater than the estimated value of
your vehicle.

Current loan requirements
Capital One Auto Finance only refinances loans from other financial
institutions, not including Capital One subsidiaries. Your current lender needs
to meet one of the following requirements: 1) is currently reporting your loan
to a major credit bureau, 2) is FDIC or NCUA insured, or 3) is both Better
Business Bureau-accredited and a state-registered lender or state-registered
auto dealer. Most banks, credit unions and larger auto finance companies meet
one or all of these requirements. We only refinance standard auto loans with
only one lienholder on the vehicle title for the loan you wish to refinance. We
do not refinance unsecured loans or personal loans that use a vehicle title as
collateral (also known as title loans). You must refinance the full payoff
amount of your current auto loan subject to our minimum and maximum loan
amounts. We do not offer cash-back refinancing or lease buyouts.

GAP insurance and other products
We will pay off your current auto loan only and will not finance new GAP or
other coverage to cover any canceled coverage due to refinancing. To determine
if your existing GAP policy or any other coverage terminates upon refinancing,
check your corresponding agreement or contact the provider directly.

Documentation requirements
Required documentation varies, and you may be asked to provide some or all of
what is listed below. These documents may include:

 * Pay stubs or bank statements to verify your income and/or employment
 * Insurance, lease agreement or mortgage statement to verify your residence
 * Vehicle title
 * Power of attorney or title authorization to allow us to file the lien in
   favor of Capital One Auto Finance.

To avoid processing delays, please be sure to include your reference number when
sending documentation to us.

Annual percentage rate (APR)
Pre-qualified financing terms depend on the individual’s credit and key
financing characteristics, including but not limited to amount financed, term,
loan-to-value (LTV) ratio and vehicle characteristics. A representative example
of payment terms are as follows: A loan amount of $25,000 with an APR of 9.50%
and a term of 60 months would have a monthly payment of $525.05. No down payment
required. Advertised rates are subject to change without notice. Your actual APR
will be based on your specific situation. If you decide to refinance for a
longer term length, that may increase the total amount paid when compared to
your current loan.

Advertised and pre-qualified, estimated savings
Lifetime Savings: Advertised lifetime savings are based on the average expected
reduction in total lifetime payments our customers experience over the life of
their loan compared to their prior lifetime payments, assuming all payments are
made on time. Pre-qualified customers may see estimated lifetime savings based
on the current loan information they provide as well as loan information we
receive from a credit reporting agency. Your actual savings may vary.

1Monthly Savings: Advertised monthly savings are based on the average expected
reduction in monthly payments our customers experience with their new loan
compared to their prior loan payments, assuming all payments are made on time.
Pre-qualified customers may see estimated monthly savings based on the current
loan information they provide as well as loan information we receive from a
credit reporting agency. Your actual savings may vary.

29 out of 10 eligible pre-approved applicants are later approved
On average, 9 out of 10 eligible pre-approved applicants are later approved for
auto refinancing. This excludes customers who do not meet all eligibility
criteria stated on their offers.

Ratings and reviews
Customer reviews are submitted by validated Capital One customers who refinance
using Capital One. Some product ratings and reviews may be obtained from
customers with different versions of the product displayed above. To see what
other customers are saying, please visit our website.

Top-rated mobile app
The Capital One Mobile app has a 4.9/5-star customer rating on the App Store and
a 4.6/5-star customer rating on Google Play; both are in the top 10% in the
Finance App category as of 11/02/2022.

Third-party information
Capital One uses third-party information to enhance your auto refinancing
experience. Third-party information includes, but is not limited to, VIN and
vehicle year, make and model, as well as your current loan information. Capital
One does not guarantee that third-party information is accurate, current,
complete or reliable and assumes no responsibility for the accuracy of
third-party information. You should independently verify the accuracy of any
third-party information. All trademarks are the property of their respective
owners.

For information on how to dispute your credit report information, please visit
our Help Center.

Wisconsin residents
No provision of any marital property agreement, unilateral statement or court
order applying to marital property will adversely affect a creditor’s interests
unless, prior to the time credit is granted, the creditor is furnished with a
copy of the agreement, statement or court order, or has actual knowledge of the
provision. If the auto refinance loan for which you are applying is granted, you
will notify the bank if you have a spouse who needs to receive notification that
credit has been extended to you.

Privacy
For more information around consumer data collection concerning the California
Consumer Protection Act (CCPA), please visit our Privacy page.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR CREDIT
To help the government fight the funding of terrorism and money laundering
activities, federal law requires all financial institutions to obtain, verify
and record information that identifies each person who opens an account. What
this means to you: When you apply for credit, we will ask for your name,
address, date of birth and other information that will allow us to identify you.

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