If you’ve recently applied for and funded another loan with Capital One Auto Finance, you may no longer be eligible to get a new loan with your Capital One Auto Finance pre-qualification. Your Capital One pre-qualification expires 30 days from the date your request for pre-qualification is received. Pre-qualification does not guarantee that you’ll receive financing or any particular financing terms, which are subject to change based on Capital One’s evaluation of your credit application submitted at the dealer and any required documents, and may vary depending on the dealership selling the vehicle(s) you’re interested in financing. Also, any existing Capital One accounts must be in good standing (meaning not over limit, past due, or delinquent). Minimum monthly income required is $1,500 or $1,800, depending on your credit qualifications. Auto Navigator is not available to residents of Alaska or Hawaii and Post Office Box addresses can’t be used as the address on your pre-qualification request. To pre-qualify, you must be at least 18 years old and have a valid street address within the contiguous United States. Customer's Age, State, and Income Restrictions: Capital One Auto Finance Restrictions and Important Information A. Your purchase will result in a retail installment contract with the dealer as the original creditor. After negotiating purchase terms and receiving dealer credit approval, you will sign a contract with the dealer reflecting both your purchase and financing terms. A credit application at the dealer will result in one or more inquiries posted to your credit file.

When you arrive at the dealership, you can test drive the car, and you will fill out a credit application and provide any information needed for review to complete your financing. If you choose to do so, you’ll also let the dealer know your preferred method of communication so the dealer may contact you to discuss next steps. When available, before visiting the dealer, you can provide the dealer with your most up-to-date personal, contact, residence, income, and employment information, as well as your proposed financing terms, pre-qualification status, information about the vehicle you may be interested in financing, and saved cars at that dealer by using the ‘Check Availability’ button (this feature is not available for all dealers and is not a required step).

When you visit a participating dealer, show them your Auto Navigator pre-qualification offer for the vehicle you would like to finance. Remember, you can use your mobile phone to configure pre-qualified financing for vehicles you're considering and compare your options at the dealer. Personalizing Your Offer:Īdjust things like your down payment, term length, and more to build the deal that's right for you. Inventory availability is subject to change without notice. Don't forget, your pre-qualification can only be used to buy one, personal-use vehicle. And although we can't guarantee that participating dealers display all of the vehicles they have available for sale, you can still use your pre-qualification at any participating dealers. Finding Your Car:Īuto Navigator provides participating dealers' advertised inventory to help you search and save your favorites to find the car that works best for your budget and lifestyle. If you pre-qualify, you will be able to see your monthly payments, APRs, and offers for vehicles you may be considering. But don’t worry, it won’t impact your credit score. Prior to visiting a participating dealer, submitting a request to pre-qualify for auto financing will allow for a review to determine whether you pre-qualify.

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