Capital One Auto Finance Customer Service
Ways to contact Capital One Auto Finance and solve common issues
Use Capital One Auto Finance's Phone Number
Capital One Auto Finance's customer service phone number is the best way to reach them and resolve issues. While there may be a wait, you will be able to talk to a real human being.
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Contacting Capital One Auto Finance customer support
Below you can compare and contrast the 6 ways to contact Capital One Auto Finance by looking at which ones are the fastest and which ones other customers recommend the most for solving Capital One Auto Finance customer service issues as reported to us by the 50 million or so customers that come to GetHuman each year and share their experiences. You can contact Capital One Auto Finance across the following channels: Phone, Email, Web.
Capital One Auto Finance: top questions, issues & solutions
Be sure to check out the full answer to your question listed below. We have written extensive, step-by-step guides for even the most vexing of customer service problems for Capital One Auto Finance.
What happens if I miss a payment on my auto loan?
If you miss a payment on your auto loan with Capital One Auto Finance, there are a few things that can occur. Firstly, a late fee may be applied to your account. Additionally, your missed payment will be reported to the credit bureaus, which could negatively impact your credit score. It's important to make up the missed payment as soon as possible to avoid further consequences. If you consistently miss payments, Capital One Auto Finance may start collection efforts, which could include contacting you to remind about the missed payment and potentially repossessing the vehicle as a last resort. It is crucial to communicate with Capital One if you are having trouble making payments, as they may be able to offer assistance or options to help you stay on track.
What are the eligibility criteria for getting an auto loan with Capital One?
To be eligible for an auto loan with Capital One, there are a few criteria you must meet. Firstly, you must be at least 18 years old, have a valid Social Security number, and be a U.S. citizen or permanent resident. Additionally, you should have a minimum monthly income requirement, typically a minimum of $1,500. It's also important to have a stable employment history or a guaranteed fixed income. Capital One will consider your creditworthiness and may require a minimum credit score. However, they offer options for those with less-than-perfect credit. You should also be prepared to provide proof of residence, such as a utility bill, as well as proof of insurance. Meeting these criteria will increase your chances of securing an auto loan with Capital One.
What is the maximum loan term offered by Capital One Auto Finance?
The maximum loan term offered by Capital One Auto Finance is currently 72 months. This allows borrowers to spread out their payments over a longer period, potentially making their monthly payments more affordable. It is important to note that the loan term may vary based on factors such as the borrower's credit history, the amount financed, and the type of vehicle being financed. Additionally, choosing a longer loan term may result in paying more interest over the life of the loan. Capital One Auto Finance aims to provide flexible options to meet the needs of individuals seeking auto financing for new or used vehicles.
Can I finance a used car with Capital One Auto Finance?
Yes, Capital One Auto Finance offers financing for used cars. Whether you are purchasing from a dealership or a private party, our financing options are available for pre-owned vehicles. We understand that buying a used car can be a smart financial decision, and we aim to make the process easy and convenient. With competitive rates and flexible repayment terms, we strive to provide the best financing solutions to meet your needs. Simply apply online or visit one of our participating dealerships to explore your options. Our knowledgeable representatives are here to guide you through the process and help you finance the used car you desire.
Can I pay off my auto loan early? Are there any prepayment penalties?
Yes, you can pay off your auto loan early with Capital One Auto Finance. There are no prepayment penalties for doing so. By paying off your loan early, you can save on interest charges and potentially own your vehicle sooner. Whether you choose to make extra payments or pay the remaining balance in one lump sum, you have the flexibility to manage your loan as you see fit. Capital One encourages customers to contact their customer service representatives for assistance and guidance on the best way to pay off their auto loan early.
What is the interest rate offered for auto loans?
The interest rate offered for auto loans through Capital One Auto Finance varies depending on various factors. These factors include the applicant's credit history, loan term, loan amount, and the specific vehicle being financed. Capital One strives to offer competitive interest rates to help borrowers secure affordable auto financing options. To determine the interest rate for an individual's auto loan, it is recommended to submit an application through Capital One's website or contact their customer service. This will enable the lending team to review the applicant's information and provide personalized loan offers along with interest rates.
How long does it take to get approved for an auto loan?
The approval process for an auto loan with Capital One Auto Finance typically takes around 24 to 48 hours. However, the actual time may vary depending on various factors such as the completeness of the application, creditworthiness, and the responsiveness of the applicant. It is recommended to ensure all necessary documentation is provided accurately and promptly to expedite the approval process. Capital One endeavors to provide a quick and efficient loan approval experience while maintaining high standards of scrutiny and due diligence to ensure the best possible lending decisions.
Click below to show 4 more questions, answers, and complete guides to common Capital One Auto Finance customer support problem.
Recent reasons customers contacted Capital One Auto Finance:
I called earlier today requesting to get a deferred payment on my account so that way I...
I am at a dealership. I have you listed as lienholder on a vehicle. I need to find out...
My Apr is higher than fifty percent of others with my similar credit profile. I’d like...
My apr is higher than fifty percent of others with my similar credit profile. I’d like...
Was told conflicting stories about my loan
Hello, a few months ago I attempted to re-finance my car with you, I sent you my car's...
Yes, I don't know where this is going to end up, however, I have an account with you gu...
Im trying to get in touch with you about my auto loan. But your automated machine want...
Need my loan account number
I refinanced my auto loan with Capital One in October of ****.**On March * of this year...
I received an offer of settlement email from Capital One on Feb *, **** stating the set...
I refi'd my truck due to a divorce, you issued a refund check to me but the mail sent i...
I just need my questions answered that I sent via e-mail about what to do with the tota...
Hello, my name is Tara Lease, and I had a loan taken out through Johns Great Cars in Re...
customer service is the worst ever!!!!!!!!*I bought my car in Nevada and moved to Orego...More customer issues
Help me with my issue
Does GetHuman work with Capital One Auto Finance?
GetHuman does not work with Capital One Auto Finance's customer support operations, directly or in any other way. GetHuman has no partnership or relation to Capital One Auto Finance at all. GetHuman works with customers everywhere to compile the best tips and tools for reaching call centers faster and solving common customer problems effectively. Much of the information on this website comes from customers who struggled to find the best contact information or solve a problem and shared their story. The information on this website is edited frequently, but for the most accurate and up to date contact information, it may be useful to check Capital One Auto Finance's own website for new or more up to date information about calling or messaging their call center. If you'd like to help in the effort to improve customer service for all, please share this page!