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Capital One auto loan rates

Pre-qualify with no credit-score impact.

Visit Capital One Calculate payment
From APR
5.39%
Best advertised rate
Min credit
660+
FICO score
Loan amount
$4,000+
Up to $75,000
Loan terms
36–75
Months

Today's Capital One rates by loan type

Rates shown are the best advertised APRs as of May 1, 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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