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Last updated on July 22, 2025
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Auto loan reviews

Capital One
The Nerdy headline:

The Bottom Line is that this is a bada$$ institution. Information about the has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.

Auto loan refinancing review

Capital One
Capital One - Refinance loan

2.5
NerdWallet rating
Loan amount
$7,500 - $75,000
Min. credit score
Did not disclose

Pros

  • Offers pre-qualification with a soft credit check.

  • Co-borrowers allowed.

  • Application process 100% online including document upload.

Cons

  • Minimum refinance amount higher than other lenders.

  • Maximum refinance amount lower than other lenders.

Best for applicants wanting to see if they could benefit from auto loan refinancing without affecting their credit score.

This is the content for the Purchase Loan

New auto purchase loan review

Capital One
Capital One - New car purchase loan

2.0
NerdWallet rating
Loan amount
$4,000 - $100,000
Min. credit score
Did not disclose

Pros

  • Offers pre-qualification with a soft credit check.

  • Co-borrowers allowed.

  • Capital One Auto Navigator allows you to browse cars online that are available at participating dealerships.

  • Has a wide range of loan terms, from less than 12 months to 84 months.

Cons

  • Social Security number required to pre-qualify.

  • Must purchase the vehicle at a participating dealership.

  • No rate discount for automatic payment.

Best for applicants who want a streamlined process of pre-qualifying online and purchasing a new car at a Capital One-authorized dealership.

This is the content for the Purchase Loan