Capital One Auto Finance

104 ratings (102 Epinions reviews)
Epinions Product Rating: Disappointing
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Deceptive liars.

Aug 25, 2009
Review by  
Rated a Very Helpful Review

Pros:Seemingly easy, hassle-free financing (although I never experienced it)

Cons:Highest interest rates around.
Untrained staff.

The Bottom Line: Try your local places before you go with a giant company that has no idea what they are doing.  I would never trust Capital One.


I'll admit, I don't really like or use many banking products.  But I depend on my car for work and the Blazer I had used for the last 5 years was inching towards it's final days.  Right when I started looking at different places I received a letter from Capital One Auto Finance telling me I was pre-approved and to go to this certain dealer.  I followed up with them and did a little research online (unfortunately I did not see the epinions reviews) and it seemed fair, I was pre-approved to a certain amount and the dealer they pushed happened to have the car I wanted.  So long story short on two occasions I spoke with Capital One people on the phone to make sure that being self-employed was OK, and twice they told me that it is fine and I could provide my tax papers instead of a weekly paystub.

Lies.  I go to the dealer, test the car, it's great, sit for a couple hours while they do all of the paperwork and sign everything there.  I drove that car home that day.  Two weeks later I get a call from the dealer asking me to bring in copies of my tax papers again, Capital One was requesting them.  A couple days later I get a call saying because I was self-employed and could not provide pay stubs Capital One would not finance.  I was shocked and pretty furious but fortunately there were plenty of local options that were more than happy to finance me (and at a MUCH better rate). 

I called Capital One later that day and asked them why I received the OK twice and then when it came down to it they went back on what they said and I was told that it was "standard policy" and that "the people you spoke with both told you inaccurate information, we apologize."


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