Capital One Auto Finance Customer Service

Phone Number & Contact Info

Capital One Auto Finance's Best Phone Number

Toll-free·Calls Customer Service·Most popular Capital One Auto Finance number·We talk to customer service for you·Skip the wait on hold·Call now

How do I talk to a live human at Capital One Auto Finance?

A:Press # then enter your social security number You can also use our free service that can talk to Capital One Auto Finance for you and report back.

Does Capital One Auto Finance offer 24 hour customer service?

A:Not at this number; hours here are Mon-Fri 8am-9pm EST. The least busy day is Wednesday, and the most busy day is Monday. If the call center is closed, you can schedule a call.

How long will I wait on hold?

A:The average hold time is 19 minutes. The longest hold times are on Monday, and the shortest are on Friday. You can skip the hold time for free.

Capital One Auto Finance Customer Phone Numbers

Auto Loans

Toll-free · Mon-Fri 8am-9pm EST · Press 1, enter social security number, then wait. For existing loans · · Free tools available: Talk for me, Skip the wait, Schedule my call

New and Used Financing Applications

Toll-free · Mon-Fri 8am-9pm EST · Press 2, then 0 three times. Also had to enter last 4 digits of SS# · · Free tools available: Talk for me, Skip the wait, Schedule my call

Fax Line

Toll-free · Mon-Fri 8am-9pm EST · Fax number, just fax a note stating the request · · Free tools available: Talk for me, Skip the wait, Schedule my call

How do I get through the phone menu to a live person?

Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Capital One Auto Finance below.

Let us call and talk to Capital One Auto Finance for you

Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.

We can get a live person on the line for you

That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Capital One Auto Finance phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press # then enter your social security number
Below are some clips we've found from Capital One Auto Finance's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to enter information with the dial pad

"Thank you for calling Capital One Auto Finance. Please enter your thirteen digit account number or if please enter your Social Security number."
Excerpt from a call with Capital One Auto Finance
Monday, June 17, 2024 3:39 PM

What are the hours and when should I call?

Capital One Auto Finance operates the call center for this 877-817-7861 phone number Mon-Fri 8am-9pm ET. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 3,016 calls made in the last 90 days using our free, web-based phone (see above).

Automatically call when they open

When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the Capital One Auto Finance call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Capital One Auto Finance phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Capital One Auto Finance staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Capital One Auto Finance is Wednesday. The most busy day to call is Monday, which averages 20% more phone calls by comparison. Again, this is based on a sample of 3,016 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Monday.
But if you use our free call and talk for me or wait on hold for me service, you don't really need to worry about average wait times.

The best time to call Capital One Auto Finance

In summation, the best day to call Capital One Auto Finance is Wednesday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Capital One Auto Finance staffs the call center well on Wednesday.

Calling this Capital One Auto Finance Customer Number

Jeff Whelpley is the editor / author responsible for this content.
Jul 10, 2024

This number is not to be used unless you actually have an account with Capital One Auto Finance, as it sets up an ironclad lockout unless you're willing to provide your account number or your Social Security number.

When I dialed, I was first asked to provide my 13-digit Capital One Auto Finance account number. If I didn't know it, I could instead hit the pound key. Not having an account, I hit the pound key. I was then told to enter my Social Security number to access my account. I decided to hit the pound key again to see if that would get me anywhere. The system told me that it would need my Social Security number to access my account.

I again hit the pound key, and the system again told me that I needed to enter my nine-digit Social Security number to access my account. Once again, I hit the pound key, and the system asked me one more time for my Social Security number. This time, after hitting the pound key, the system didn't give me a chance to provide my number or do anything else. It simply said, "Thank you for calling Capital One Auto Finance. Goodbye."

Based on this experience, I'm impressed with the ironclad lockout that Capital One has set up. I'm not surprised it exists, as this is sensitive information and there's no reason to use this number unless you have an account with them. However, the four strikes and you're out system is a fairly unique feature. Most numbers like this will give you nearly unlimited attempts to enter your information, whereas this one makes it practically impossible for anyone to get in when they shouldn't have proper access. If I did have need for this number, I would feel comfortable using it.

Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.

Why Customers Call Capital One Auto Finance

If you have time to do a bit of reading before you call Capital One Auto Finance, we recommend you read over some of our problem-specific articles.

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.

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.

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.

Top Capital One Auto Finance customer service problems

Click the link above to get answers to just about any Capital One Auto Finance customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Capital One Auto Finance, and their purpose. Are any of these similar to the reason you are trying to call?
Payment scheduling inquiry: "That is in regards to the payment. I was wondering if I would be able to schedule it towards the end of the month."
- From a call lasting 5m 58s , Jul 12, 2024 4:57 PM
Auto financing for rideshare: "Does Capital One provide auto financing for ride share drivers?"
- From a call lasting 13m 50s , Jun 28, 2024 12:20 AM
Request for lien release: "I need the lien release faxed over with specific requirements including VIN number, model, make, and owner's name."
- From a call lasting 26m 55s , Jun 24, 2024 6:59 PM

More Capital One Auto Finance Customer Service Contacts

There are of course other ways to contact Capital One Auto Finance customer service besides the phone. Below we list the best ones, by medium.

Capital One Auto Finance Customer Email Addresses

Corresponding with a customer service department by email may not be your first choice, especially if your issue is urgent or time-sensitive. But email is a nearly ubiquitous form of communication, and Capital One Auto Finance will reply our your email.

Capital One Auto Finance Customer Help Desk / Web Support - Customer Service
Online customer service support
As a last, sometimes only, resort- Capital One Auto Finance customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Capital One Auto Finance's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Capital One Auto Finance agent. This phone number is Capital One Auto Finance's best phone number because 35,604 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 877-817-7861 include Recover Account, Update Account Info, Extension on Payment, Disputes, Cancel or Change Account and other customer service issues. The Capital One Auto Finance call center that you call into has employees from California, Minnesota, India and is open Mon-Fri 8am-9pm ET according to customers. In total, Capital One Auto Finance has 4 phone numbers. It's not always clear what is the best way to talk to Capital One Auto Finance representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Capital One Auto Finance. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Capital One Auto Finance. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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