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Capital One auto loan rates

Pre-qualify with no credit-score impact.

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From APR
5.39%
Best advertised rate

This is the lowest APR Capital One advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit
660+
FICO score

Capital One advertises its best rates to borrowers with FICO scores around 660 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$4,000+
Up to $75,000

Capital One finances auto loans from $4,000 up to $75,000.

Loan terms
36–75
Months

Pick a repayment term from 36 to 75 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Capital One rates by loan type

Rates shown are the best advertised APRs as of June 15, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 5.39% Compare →
Used car 60 mo 5.89% Compare →
Refinance 60 mo 5.49% Compare →

Pros

  • Soft-pull pre-qualification
  • Wide dealer network
  • Auto Navigator car-search tool

Cons

  • Restricted dealer list
  • Vehicle restrictions on age/mileage
  • No private-party loans

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