New and Used Auto Financing from Capital One with Auto Navigator® rated for 5 star by Capital One Reviews for our United States readers, especially for you at . Capital One reviews for help Capital One customers to get the best reviews and guiding about Capital One credit cards products and offers to apply
New and Used Auto Financing from Capital One with Auto Navigator®. Financing your next car with Auto Navigator® Want to finance a new or used car? See if you pre-qualify for financing in minutes without any impact on your credit score. In addition, know the estimated time period of your financing before going to the participating dealers.
Let's start with the basics. Are you the only person who asks for pre-qualification for automatic financing, or someone else who asks for you?
Make sure you are looking to finance at least $4000 for; new or used cars, trucks, minivans or SUVs for personal use, 2009 models or new vehicles with a range of less than 120,000 miles, one vehicle available at participating dealers
The Bid Summary will include estimates of financing requirements that you can qualify for when you apply for financing at the dealer. When you are ready to finance the vehicle, bring your Automatic Navigator Summary Offer to the participating dealers to let them know that you are pre-qualified for car financing with Capital One. Remember, you can use your cellphone to configure the vehicle and compare your options at the dealer! If you recently submitted and funded another loan with Capital One Auto Finance, this might affect your eligibility for a new loan with this pre-qualification.
Pre-qualification does not guarantee that you will receive financing or certain financing requirements, which can change based on our evaluation of your credit application submitted at the dealer and required documents. The term Automatic Navigator expires 30 days from the date your application is received.
For pre-qualifications, you must be at least 18 years old, have a valid street address in the nearby United States or APO / FPO address. The minimum monthly income required is $1,500 or $1,800, depending on your credit qualifications. Every existing Capital One account must be in good standing (not exceeding the limit, past the deadline, or in arrears).
The credit application at the dealer will produce one or more questions posted to your credit file. After negotiating the terms of purchase and receiving the dealer credit approval, you will sign a contract with the dealer that reflects your terms of purchase and financing. Your purchase can generate a retail installment contract with a dealer as an original creditor. See the auto loan FAQ on the Capital One web for more information.
Representative APRs are based on individual credit and main financing characteristics, including but not limited to the amount financed, time period, loan ratio to value (LTV), and vehicle mileage. Your actual APR will be based on your specific situation.
The vehicle must be a 2009 model or newer and have less than 120,000 miles. In some cases, you might be able to buy a 2007 model year with less than 150,000 miles.
Vehicle images may not represent the vehicle advertised by the dealer. Cars must be sold in advance and availability must be confirmed with the dealer. Prices advertised by dealers are subject to change without notice.
Prices advertised by dealers can be negotiated and may not include taxes, rights, licenses, and other fees charged by the dealer. Other costs may include, but are not limited to, document fees, dealer preparation fees, and shipping costs. You must verify with the dealer what is included in the price advertised by the dealer. We provide historical estimates of taxes, rights and licensing fees to show you how they affect your financing requirements.
Any car history reports provided are provided by CarFax®. You can visit the CarFax® website for additional information about their services. A trade-in assessment is empowered by Kelley Blue Book® data to provide an estimate of what you might receive from a dealer by trading in your car. The Kelley Blue Book® valuation method is not determined or managed by Capital One. You can visit the Kelley Blue Book® website for additional information about their services. Third party websites, such as Kelley Blue Book® and CarFax®, are not managed by Capital One.
Let's start with the basics. Are you the only person who asks for pre-qualification for automatic financing, or someone else who asks for you?
Make sure you are looking to finance at least $4000 for; new or used cars, trucks, minivans or SUVs for personal use, 2009 models or new vehicles with a range of less than 120,000 miles, one vehicle available at participating dealers
New and Used Auto Financing from Capital One with Auto Navigator®
How the Automatic Navigator works
Use the Auto Navigator to pre-qualify for automatic financing before visiting participating dealers. We review the information you provide to determine whether you are pre-qualified without having an impact on your credit score. If you are pre-qualified, you will be able to see your monthly payments, APR and Offer Summary for vehicles that you might consider. Remember, your pre-qualification can only be used for the purchase of one private vehicle.The Bid Summary will include estimates of financing requirements that you can qualify for when you apply for financing at the dealer. When you are ready to finance the vehicle, bring your Automatic Navigator Summary Offer to the participating dealers to let them know that you are pre-qualified for car financing with Capital One. Remember, you can use your cellphone to configure the vehicle and compare your options at the dealer! If you recently submitted and funded another loan with Capital One Auto Finance, this might affect your eligibility for a new loan with this pre-qualification.
* Monthly, APR, and Product Conditions
* Monthly payments and Annual Percentage Rate (APR) are not final until your financing is completed at the participating dealers. This provision is based on the information you provide and may change if you update information on our website or at a dealer. Online conditions are provided based on general monthly increases of 24, 36, 48, 60, 72, 75, and 84; however, other conditions may be available at the dealer when buying a vehicle. Not all consumers qualify for this requirement.Pre-qualification does not guarantee that you will receive financing or certain financing requirements, which can change based on our evaluation of your credit application submitted at the dealer and required documents. The term Automatic Navigator expires 30 days from the date your application is received.
For pre-qualifications, you must be at least 18 years old, have a valid street address in the nearby United States or APO / FPO address. The minimum monthly income required is $1,500 or $1,800, depending on your credit qualifications. Every existing Capital One account must be in good standing (not exceeding the limit, past the deadline, or in arrears).
Using the Auto Navigator at the Dealer
When you visit a participating dealer, show them the Summary of your Automatic Navigator Offer for the vehicle you want to finance or check-in using your pre-qualification. Check-in will allow the dealer to access your pre-qualification terms and preferences, including the car you have stored at the dealer (check-in is not available at all dealers and is not a mandatory step). Then you will fill out the credit application and provide the information needed for review to complete your financing.The credit application at the dealer will produce one or more questions posted to your credit file. After negotiating the terms of purchase and receiving the dealer credit approval, you will sign a contract with the dealer that reflects your terms of purchase and financing. Your purchase can generate a retail installment contract with a dealer as an original creditor. See the auto loan FAQ on the Capital One web for more information.
Number of Restrictions Financed
For new and used vehicles, the Minimum Funded Amount is $4,000. Your maximum funded amount may be based on income, the main credit characteristics, the vehicle you bought, the details of the financing agreement, and / or the specific dealer where you bought the vehicle. The Funded Amount can include vehicle selling prices, taxes, rights, license fees, dealer fees, and any optional products such as service contracts and / or extended warranties that you choose to buy from the dealer.Requirements for Military Loan Law
Due to the requirements under the Military Loan Act, automatic financing for certain members of the Armed Forces and their dependents cannot cover GAP, Credit-Life, or Accident & Health Insurance, and other similar products.1 APR
APR is the Annual Percentage Rate. The advertised rates depend on individual credit and the main financing characteristics, including but not limited to the amount financed, time period, loan ratio to value (LTV), down payment amount, and vehicle characteristics. Examples of representative payment terms are as follows: down payment of $1,000, Amount of Funded $21,000 with APR 10.00% and a period of 72 months will have a monthly payment of $389.04. Advances are needed in some situations to complete a purchase. APR is currently shown on December 27, 2018. Rates advertised and expected are subject to change without notice.Representative APRs are based on individual credit and main financing characteristics, including but not limited to the amount financed, time period, loan ratio to value (LTV), and vehicle mileage. Your actual APR will be based on your specific situation.
Requirements for Dealer Participation
Capital One Auto Finance provides financing for new and used vehicles purchased from participating dealers registered with our Dealer Locator. Participating dealers may change. We do not offer financing for vehicles purchased from non-participating dealers, automatic brokers, or private sellers. We do not offer financing for rental purchases.2 Vehicle Type Limits
The term Automatic Navigator can only be used at the location of participating dealers in connection with purchasing new cars, light trucks, minivans, or SUVs intended for personal use. We do not finance certain vehicles including but not limited to, Oldsmobile, Daewoo, Saab, Suzuki or Isuzu. We do not offer financing for commercial vehicles, motorbikes, recreational vehicles (ATVs), ATVs, camper vans, motor homes, vehicles with a history of chronic damage and / or repurchase of manufacturers or manufacturers (alternatively referred to as lemons) branded vehicles, purchases rent, or vehicle without a Vehicle Identification Number (VIN) or published title. We can determine which vehicles will be commercial or not meet the requirements based on the model and / or information provided to us.The vehicle must be a 2009 model or newer and have less than 120,000 miles. In some cases, you might be able to buy a 2007 model year with less than 150,000 miles.
Dealer Advertised Inventory
Automatic Navigator cannot display all vehicles available at participating dealers. If the dealer advertised inventory is not available in the Automatic Navigator, your Capital One pre-qualification can still be used at participating dealers. Availability of inventory is subject to change without notice.Third Party Information
Capital One uses third party information, if available, to enhance your automatic financing experience. Third party information includes, but is not limited to, exchange rates, car pictures, dealer reported mileage, fuel savings, dealer advertised prices and car details, and car history reports. Please note that third parties provide this information and Capital One makes no expressions or warranties expressed or implied in connection with the accuracy of third party information. You must verify the accuracy of any third party information yourself.Vehicle images may not represent the vehicle advertised by the dealer. Cars must be sold in advance and availability must be confirmed with the dealer. Prices advertised by dealers are subject to change without notice.
Prices advertised by dealers can be negotiated and may not include taxes, rights, licenses, and other fees charged by the dealer. Other costs may include, but are not limited to, document fees, dealer preparation fees, and shipping costs. You must verify with the dealer what is included in the price advertised by the dealer. We provide historical estimates of taxes, rights and licensing fees to show you how they affect your financing requirements.
Any car history reports provided are provided by CarFax®. You can visit the CarFax® website for additional information about their services. A trade-in assessment is empowered by Kelley Blue Book® data to provide an estimate of what you might receive from a dealer by trading in your car. The Kelley Blue Book® valuation method is not determined or managed by Capital One. You can visit the Kelley Blue Book® website for additional information about their services. Third party websites, such as Kelley Blue Book® and CarFax®, are not managed by Capital One.
New and Used Auto Financing from Capital One with Auto Navigator®.
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