Capital One Auto Finance

Pros: Great rates, full online account management, fast & reliable site, quick service
Cons: some additional requirements over standard banks

Overview Capital One Auto Finance, who 'absorbed' PeopleFirst, is an online finance institution that offers loans for buying and refinancing new and used cars. The entire system is online, offering no real brick and mortar services, but the idea ...

Pros: Very efficient application and approval process.
Cons: Poor customer service, deceptive tactics.

I had a loan with HSBC Bank back in the late 1990's on a 1997 Hyundai Sonata I bought new. I also had 3 credit cards with Capital One all in good standing. I got a solicitation to "refinance" my loan with Capital One Auto Finance. They are very ...

Pros: FAST approval at loans origination. Competitive interest rates.
Cons: Intentionally Slow At Retaining Your Title/Lien And Overpayments. Texas-Based.

Texas-based Capital One Auto Finance is a Dallas, Texas operation (out of Plano, Texas) with its headquarters in McLean. VA (corporate location). With some very competitive auto finance rates available to consumers with good credit, Capital One may ...

Pros: They're fast initially.
Cons: Customer Service is about as useless as a poop-flavored lollipop.

I've just gotten off the phone after having one of the most frustrating phone conversations in my entire life. You know those commercials where David Spade is just yelling "No!" at people? I'm pretty sure he's their main customer serivce rep. Allow me ...

Pros: None
Cons: Incompetent customer service

I used Capital One Auto Finance to pay off the original loan on my car, and hence make Capital One Auto Finance my new finance company and lienholder. Problems with Capital One Auto Finance did not show up while they were receiving my payments. When the ...

Pros: NONE
Cons: Extra payment does not go to principal but delays billing cycle

A little background on me is that I tend to pay over what is owed monthly on my loans so that I pay them off quicker and pay less interest. CapitalOne Auto Finance bought out my auto lender Onyx. Now normally I would not care since since several of ...

Pros: easy application, low rates
Cons: Instructions for the Blank Check could have been clearer. Of course customer service

Background: This is the first loan I have ever had, having always paid cash for cheap older cars in the past. I was moving up in the world and was ready to get my first real toy, a 1980 Chevrolet Corvette. I was very excited but did not have enough ...

Pros: Easy "carpay" phone interface for paying your bill.
Cons: No way to contact a human, poor closure, subpar customer service.

I financed my car through Capital One Auto Finance. Everything seemed fine, until my car was stolen. I continued to pay while my insurance company worked out the payoff. The check was cut and sent to Capital One. There was a $600 difference, so I ...

Pros: Seemingly easy, hassle-free financing (although I never experienced it)
Cons: Highest interest rates around.
Untrained staff.

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 ...

Pros: Good interest rates, decent web site
Cons: Customer non-service

I went with Capital One Auto Finance for my new car purchase back in 2006 because like most people discover who look into them, they offer interest rates far better than the dealers are willing to give you (assuming, at least, you don't have near-perfect ...

Pros: Fast decision, decent rates...
Cons: Deceiving website, cannot decline if offer not acceptable, payments applied incorrectly, POOR CUSTOMER SERVICE

I re-financed a vehicle with them in October 2007. This vehicle had been purchased when my credit was on the rocks, and Capital One actually gave me an awesome rate of exactly half my former rate. It was all good, except for one thing: I sent in extra ...

Pros: Absolutely none
Cons: Dishonest representatives Bait and switch interest rates Lengthy and difficult private seller transactions

I received a “blank check” from Capital One a couple years ago, but never used it as the dealer I purchased through beat their rate. Lately I was in the market for another used car, and applied to lending tree online. Capital One came back with ...

Pros: The only up side is they will extend you money, @ 10.99% Rip off.
Cons: Again, I've already said all of the good above.

Absolutely horrible! God forbid you try to call them. I have a few things against them that I think every one should know. I'll put them in bullet for ease of reading. Problems: 1. Contact them. Just try it. The automated system seems to have an ...

Pros: Quick and easy application process.
Cons: Poor customer service, website doesn't tell the whole story.

If you don't qualify for their best interest rate, beware. Capital One claims that their 'Blank Check' is as good as cash. Not true. I didn't get their best rate due to a short credit history, but it was still pretty good (half percent over their ...

Pros: Approval quickly, even with challenging credit history, all done on-line
Cons: Not as accepted as CapOne advertises; takes longer to process transaction due to dealer restrictions

I had been approved quickly for a Capital One Blank Check, and with a challenging credit history I was relieved to have gotten approved so quickly ... and on-line where I didn't have to talk to anyone ... My first indication this car purchase using ...