Capital One Auto Review

Capital One Auto

4.1

APR range	5.09% – 19.99%
Loan amount	$4,000 – $250,000
Term	3 yrs – 7 yrs
Min credit score	600
Fees	3 fee types
Rating	4.1 / 5

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Rates as of May 2026 for 60-month and 72-month terms with excellent credit. Displayed rates based on previous month's Capital One loan data. Your rate varies by term and creditworthiness.

Pros

No origination or prepayment fees
Works with participating dealers nationwide
Auto Navigator tool for vehicle shopping
Quick pre-qualification (no credit impact)

Cons

Must buy from participating dealer
Rates shown assume excellent credit
Longer terms (72 months) have higher APR

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