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Applying for Auto Financing

How do I apply for Capital One Auto Financing?

To apply for Capital One Auto Financing, please visit Opens a new window to view options for financing and auto loan refinancing.

Will cash down be required?

Cash down may be required if the total cost of the vehicle you're considering, after any trade-in, is more than the amount you're approved to finance. In that case, you would have to put cash down in order to purchase the vehicle. In all cases, the Total Amount Financed will include the vehicle sales price, tax, title, licensing fees, dealer fees, and, if you choose to buy them, optional products like GAP coverage and extended warranty.

What will I need to take with me and do at the eligible dealer?

To help ensure a fast and easy process, submit any documentation we ask you for before taking your approval to the dealer to purchase a vehicle. If you don't pre-submit the requested documentation, be sure to bring the documentation with you to the dealer when you're ready to buy.

At the dealer, you'll complete a dealer credit application so that the dealer can provide you with legally-required financing disclosures as you finalize your purchase. You'll also sign a contract disclosing all your purchase and financing terms. An application at the dealer typically results in inquiries on your credit file.

How much time do I have to purchase a vehicle once I'm approved?

You have 45 days from the date your application is approved before it expires. You may use your approval on the expiration date, but not after. If your approval expires before you're ready to purchase, just re-apply.

How much financing will I be approved for?

Your approved Total Amount Financed will depend on your credit history, income, and the vehicle you choose to purchase with a maximum Total Amount Financed of $40,000. Upon approval, you'll be able to sign in to the Auto Navigator website and input the vehicle you're thinking about to see the specific amount you are approved to finance for that specific vehicle.

Investment and Insurance Products Are:

Not FDIC InsuredNot Bank GuaranteedMay Lose Value
Not a DepositNot Insured By Any Federal Government Agency

Banking and lending products and services are offered by Capital One, N.A. NMLS ID 453156, and
Capital One Bank (USA), N.A., Members FDICOpens a new window Equal Housing Lender

Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRAOpens a new window/SIPC Opens a new window .
Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor.
Insurance products are offered through Capital One Agency, LLC.

All are subsidiaries of Capital One Financial Corporation.

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