Capital One Auto Finance

104 ratings (102 Epinions reviews)
Epinions Product Rating: Disappointing
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  • Capital One Auto Loan

    Jun 19, 2013 by
    Rated a Helpful Review
    Pros: Fast and expedient response that indicates if one qualifies for the loan.
    Cons: I really have not had any problems with the services.

    Summary: I have had two different auto loans with Capital One and the dealers worked with me with no problem.  One dealer special ordered a car for me and the other one took the blank check, and I drove my car home the same day.  In addition, it took a ... read more

  • The worst finace co I've ever dealt with! Crooks!!! STAY AWAY!!!!

    Mar 5, 2013 by
    Not yet rated.
    Pros: Not a damn thing, your 10 days late your phone lights up non stop
    Cons: they steal (which is what its called when they take money with out authoization)

    Summary: We got behind 2months back in Nov 2012, my mother offered to catch us back up on the pymnts so she used here bank acct to make the 2 payments over the phone.  Once again we fell behind as my husband lost his job.  Well between the endless ... read more


    Oct 7, 2012 by
    Not yet rated.
    Pros: Literally nothing.
    Cons: Dishonest, criminal, soulless, money-hungry, grifters

    Summary: These fools are straight criminals.  Might as well call the Gotti family to finance your car.  I financed my 2004 Nissan Frontier through them in about '07.  Was never late on payments at all, then I opened a new checking account. ... read more

  • Capital One Blank Check - A+

    Jul 2, 2012 by
    Rated a Very Helpful Review
    Pros: Ease of process
    Straight forward step by step instructions.
    Generous and favorable terms.
    Cons: Would like to see more participation with small dealers.

    Summary: It's exactly what they say it is.  -You apply-They give you the basic terms of your approval-You get a check in the mail a few days later-You follow their directions-You buy a car.I was skeptical at first and looked ... read more

  • Excellent Experience with Capital One

    Apr 5, 2012 by
    Rated a Very Helpful Review
    Pros: Within 10 days of applying, I got my car and had my loan funded!
    Cons: Website isn't always working or accurate; call Capital One for clarification!

    Summary: I had an excellent experience with Capital One Auto Finance.  After recently filing for bankruptcy, I was certain that no one was going to lend me money for an auto loan, and I would end up having to go to a buy here/pay here dealership.  I was ... read more

  • Be careful very shady

    Apr 3, 2012 by
    Rated a Helpful Review
    Pros: They make it sound like your approved when your not.
    Cons: They charge what ever interest they want to.
    customer service is terrible will not answer questions

    Summary: Was looking to buy a car 2 months ago.I decided to contact lending tree to see what kind of interest rate i could get on a car loan. My credit score is around 650 kinda low i know. Became disabled in 2010 . Had to use my credit cards for 11 months to pay ... read more

  • Satisfied with Capital ONe

    Feb 15, 2012 by
    Rated a Helpful Review
    Pros: Capital ONe will lend.
    Cons: has a extremely high interest rates

    Summary: I received a preapproved letter with a dealer on it from out of i contacted the person listed as contact . She explained to me that as long as had stable job and Capital One accounts current. I was approved. Lisa was ... read more

  • Customer service reps who led me to getting my car taken

    Sep 19, 2011 by
    Not yet rated.
    Pros: None
    Cons: Liars, cheaters, employees have no idea what is going on.

    Summary: We had two loans with Capitol One Auto Finance. Our first car was bought new in 2004 and we have been paying on it ever since. Our second car was purchased used in 2005. The first loan was a little harder to get than the second, however we felt that we ... read more

  • Illegal Accounting?

    Aug 15, 2011 by
    Not yet rated.
    Pros: Cant think of any
    Cons: Gross misrepresentation of their accounting system, which encourages the accumulation of late fees.

    Summary: So, I have two Capital One auto loans on two separate vehicles. I fell behind and spoke with their collections people (this is less than 30 days late btw) and told them I was going to pay the entire past due amount plus the current month's payment via ... read more

  • Regrettable

    Jul 6, 2011 by
    Not yet rated.
    Pros: Zero so far
    Cons: Not a real bank, they are very shady...

    Summary: Financed a car through Capital One Auto Finance after my car was totalled in an accident. I had no idea Cap One is so ghetto and low class. Immediately after getting the loan, they called incessantly day and night, once it was ELEVEN TIMES in 12 ... read more

  • worst ever

    Mar 25, 2011 by
    Not yet rated.
    Pros: fast and quick process
    Cons: 'approved' does not mean 'approved'. lousy and uneducated customer service

    Summary: Customer service is VERY rude - treats you like a criminal.I picked up the company phone around 8:30 in the morning, and it happened to be the capital one customer service rep who was reviewing my auto loan process.At first, there was silence on ... read more

  • Harassing Phone Calls Are US

    Jan 24, 2011 by
    Not yet rated.
    Pros: Never had a problem with them until I was late with a payment.
    Cons: Unreasonable, manipulative and will never seek or think to seek of a win/win solution.

    Summary: I lost my job over a year ago, and recently fell behind 3 payments when I finally got a job. So, I called Capital One Auto Finance and told them I would make a full payment every two weeks until I was caught up. They took my first payment over ... read more

  • Hardship Policy a major joke!!!

    Dec 28, 2010 by
    Not yet rated.
    Pros: Can't think of a single thing.
    Cons: Too numerous to mention.

    Summary: In June 2005 my significant other and I, who were both working full time,  purchased a 2003 Chevy Malibu together. In August 2005 I had surgery and was off work for six months. During this time, my significant other became ill, unable to work and ... read more

  • Avoid Car loans through Capital One

    Nov 9, 2010 by
    Not yet rated.
    Pros: They were initially fast with the financing.
    Cons: Harassing calls. Unorganized. Most Customer service reps hardly speak English. and rude customer service.

    Summary: •In October, I bought, a new Mazda Vehicle -and received financing from Capital One - Unfortunately, this was the worst experience i've ever had with a finance company. My husband and I have been harassed by non stop calls to our cell phones and ... read more

  • Horrid Company!

    Nov 8, 2010 by
    Not yet rated.
    Pros: HA!! Are there any? Quick approval isn't worth the hassles of "working" with them!
    Cons: Rude, insulting, lying, breaking laws, refusal to follow contract, threatening- too many to list!

    Summary: I've had the unpleasant experience of dealing with CapitalOne Auto Finance over the last 6 years. The approval was literally a $25,000.00 check mailed to me, easy as pie.However, I learned *very* quickly just how nasty these people ... read more

  • Don't Waste Your Time

    Sep 11, 2010 by
    Not yet rated.
    Pros: online application
    Cons: just because you get the check doesnt mean you are approved!

    Summary: I applied on their website and was told I was approved. I wasnt ready to make a purchase yet so i didnt complete the form, but in two days my blank check came anyway. I faxed the infomation as required and after another day or so my status changed to ... read more

  • Very misleading experience

    Sep 1, 2010 by
    Not yet rated.
    Pros: None that I could look back and see.
    Cons: Very confusing approval system.

    Summary: I have a Capital One credit card and was very satisfied with their customer service, at least until I had to deal with trying to get an auto loan through the Auto Finance division. The whole process is very, very misleading. After sending all the ... read more

  • Scamming me for late fees?

    Jul 16, 2010 by
    Not yet rated.
    Pros: None.
    Cons: Are they being dishonest in order to charge late fees? Anyone else, or just me?

    Summary: Part of my problems stem from the fact that I moved to Canada, but things should not be as frustrating as they have been.Their online bill pay does not accept Canadian Bank Account information, so I mail them a check every month. Every month ... read more

  • EVIL!

    Feb 10, 2010 by
    Not yet rated.
    Pros: None.
    Cons: Zero internal communication, poor verbal comprehension skills

    Summary: I never used them for a loan, but a friend of mine did and used me as a reference.  Capital One never called me during the loan approval process, but now, after the loan has been paid in full, they won't stop calling me.My friend's phone ... read more

  • They should pay YOU to do accounting for them.

    Jan 27, 2010 by
    Not yet rated.
    Pros: NONE they are as stupid as they come
    Cons: Bad business
    " communication with their clients
    " diversity of payments options
    "@ compromise

    Summary: In 2004 my husband financed a Hyundai Elantra for a 66 month term loan. We slowly paid it, yes not ALWAYS on time he got laid off 2 times in between "04 and now, but it came down to OCT of '09 and we decided we were almost done pay it off and get the ... read more

  • worst customer service possible

    Dec 6, 2009 by
    Not yet rated.
    Pros: great finance rate.
    Cons: everything else.

    Summary: The poor quality of Capital One's customer service team makes even Comcast look good. I purchased my first car about 5 years ago with my auto loan through Capital One and it has been a downhill battle ever since. First off, the company will not allow me ... read more

  • Do not use capital one auto finance!!!!!

    Nov 12, 2009 by
    Not yet rated.
    Pros: Fast blank check and ok rates for your loan thats it dont use them.
    Cons: Capital One Auto has the worst customer service and there all Dishonest.

    Summary: Dishonest representatives Bait and switch interest rates and difficult private seller transactions. Do not use them you will hate your life when you do business with them.First there customer service is the worst I have ever dealt with in ... read more

  • Deceptive liars.

    Aug 25, 2009 by
    Rated a Very Helpful Review
    Pros: Seemingly easy, hassle-free financing (although I never experienced it)
    Cons: Highest interest rates around.
    Untrained staff.

    Summary: 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 ... read more

  • Capital One Auto Finance? No thanks.

    May 8, 2009 by
    Not yet rated.
    Pros: There really arent any.
    Cons: Outsourced customer service, outsourced customer service, and worst of all outsourced customer service.

    Summary: Wow, where do I start with this cracker jack group of folks. I recently lost my vehicle due to a flood, and due to the loss of my gap insurance, there was going to be a remaining balance left over that I'm required to pay. Sounds simple? yeah if you're ... read more


    Mar 27, 2009 by
    Rated a Helpful Review
    Pros: Will make other stresses in your life seem reasonable after dealing with these people..
    Cons: Cons... funny..they con you into thinking you are approved when you are not..

    Summary: Wow... So I went to a dealer to buy a car.. found the one I wanted... I currently have financing via Capital One so the dealership decides to go with them.. My rate goes up 3% from the current rate and I am confused.. End up going on line later to get my ... read more

  • My experience mirrors others here - poor customer service

    Mar 15, 2009 by
    Rated a Very Helpful Review
    Pros: Good interest rates, decent web site
    Cons: Customer non-service

    Summary: 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 ... read more

  • AHHHH!

    Feb 10, 2009 by
    Not yet rated.
    Pros: n/a
    Cons: crooked

    Summary: One must be careful when dealing with these people. My mom has a car financed through them and has caught hell. She turned over her business matters to me and I gave them hell when I found out they were trying to charge her over $500 which they ... read more

  • Retarded practices, should go out of business

    Nov 6, 2008 by
    Not yet rated.
    Pros: Pros?  They were very unprofessional about the whole process.
    Cons: Didn't give me loan despite folowing their instructions and having very high fico.

    Summary: I applied for a loan in this obviously crazy financial climate (November 2008).  I have very high credit rating (777 fico) but I am self employed so I thought that might be an issue.  However, the web application seemd fine with that so I went ... read more


    May 17, 2008 by
    Rated a Helpful Review


  • Horrible Customer Service -- hidden requirements

    May 13, 2008 by
    Not yet rated.
    Pros: Run your credit quickly
    Cons: Hidden requirements, HORRIBLE CUSTOMER SERVICE

    Summary: Customer service is horrible. I've encountered even compared to Sears... On hold for over 20 minutes without being told why and never during the hold time told that they are still looking into it and will be back as soon as possible. For their blank ... read more

  • Deceptive approval on Blank Check

    Apr 30, 2008 by
    Not yet rated.


  • Capital One Auto Finance Provides NONCustomer Service

    Apr 18, 2008 by
    Not yet rated.
    Pros: They cash our check in an average time
    Cons: Misapplied payments and they do not respond to your questions - awful to deal with.

    Summary: I have been trying to get Capital One to correct a misapplied payment since July 2006. For some unknown reason - they applied all of our payment to principal - none towards interest. Then the next payment we made they charged us interest of over 60 ... read more

  • Hassle Free...ALMOST...still a very good experience

    Apr 1, 2008 by
    Not yet rated.
    Pros: Easy application process, generous loan policy, reasonable rates, convenient auto purchasing.
    Cons: ACTUAL limit of "Blank Check" is 120% of Trade-in value of the vehicle. Be aware!

    Summary: Having gone through bankruptcy 2-1/2 years ago, getting financing on a needed used car was difficult...until I found Capital One Auto Finance. After completing the on line application, and one follow-up phone call, I was approved for a Blank Check for ... read more

  • Use as a last resort ONLY

    Mar 27, 2008 by
    Rated a Helpful Review
    Pros: Quick "approval"
    Cons: Once "approved" you and the seller commit, which puts them in control.

    Summary: They promise quick service, and give you a quick approval, but once you're committed to them you're on the hook. Getting new customers is a lot more important to Capital One than taking care of deals in progress. Any tiny detail that they find ... read more

  • Is Capital One Auto Finance Really A Good Choice?

    Feb 5, 2008 by
    Not yet rated.
    Pros: Fast, Professional, Convenient, Helpful, Friendly
    Cons: Horrible High Rates, Slow Blank Check Shipping

    Summary: I've done my research when it comes to looking for a good deal. I write letters to companies with questions, read every FAQ I can get my hands on and always read the small print. I found many people online saying that Capital One was one of the best ... read more

  • Poor customer service, intentionally deceptive website, misapplied payments

    Jan 28, 2008 by
    Rated a Very Helpful Review
    Pros: Fast decision, decent rates...
    Cons: Deceiving website, cannot decline if offer not acceptable, payments applied incorrectly, POOR CUSTOMER SERVICE

    Summary: 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 ... read more

  • Good credit? STAY AWAY FROM CAP ONE!

    Dec 27, 2007 by
    Rated a Very Helpful Review
    Pros: Absolutely none
    Cons: Dishonest representatives Bait and switch interest rates Lengthy and difficult private seller transactions

    Summary: 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 ... read more

  • Capital One Auto Finance...Service?

    Nov 2, 2007 by
    Rated a Very Helpful Review
    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.

    Summary: 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 ... read more

  • Miss Auto-Drafts to Collect more in Interest

    Sep 14, 2007 by
    Rated a Helpful Review
    Pros: NONE!
    Cons: It's a racket.

    Summary: These People are scam artists. They are not members on any Better Business Bureau and are apparently under investigation by the Federal Reserve. If you have electronic debit set up, they miss auto drafts and not only will they charge you late fee after ... read more

  • Deceptive Loan Practices

    Jul 28, 2007 by
    Rated a Helpful Review
    Pros: none
    Cons: Totally uncaring customer service

    Summary: On July 6th, 2007 I refinanced my car loan with Capital One. The Loan and Security Agreement stated that they would refinance me for $7515.00 at 11.95%. with 36 payments of $249.01. That was what I agreed to and I sent them the signed contract papers. ... read more

  • BEWARE!!!!!!!

    Jun 26, 2007 by
    Rated a Helpful Review
    Pros: Absolutely NONE.
    Cons: Poor Customer Service, Shady business practices.

    Summary: I went online to shop for a loan for a used car and at the top of the list was Cap One Auto Finance and I was approved for over $15,000 easily. THE "CHECK"arrived in the mail quickly and I bought the car with it and included "Gap Coverage." Then this ... read more

  • Believe what most here say, stay away, far away.

    Jun 5, 2007 by
    Rated a Helpful Review
    Pros: Possible quick approval. Competitive rates
    Cons: Blank check is not just like cash. Misleading advertising. Deceptive practices. Horrible customer service.

    Summary: I can say that most of people’s bad experiences here are most likely true. I just recently filed a complaint with my states Attorneys General office due to Capital One's deceptive practices and questionable advertising. I have very good credit and was ... read more

  • Capital One assumes Wachovia Bank Auto Loan

    Apr 30, 2007 by
    Rated a Helpful Review
    Pros: The only pro I can give is that I will soon be rid of them.
    Cons: They are the worst people I have ever had a loan with, difficult and obnoxious.

    Summary: When Wachovia Bank (New Orleans) turned over their auto loans to Capital One my problems started. I make my payments at the first of the month by web payments through my bank (Chase). I found several months later I had "missed" a payment, which I found ... read more

  • Danger Will Robinson - Avoid - Awful Customer Service

    Mar 7, 2007 by
    Rated a Very Helpful Review
    Pros: Advertised low rates. Don't know if they deliver.
    Cons: Non-existant customer serviced coupled with the fact they have LIED on several issues.

    Summary: I applied online with this 'outfit' via Costco. They had the lowest interest rate I could find. I'm 50 years old with spotless credit. I pulled my three credit reports prior to applying and one of my credit scores just to see what it was. Experian ... read more

  • Best Car Buying Experience I have ever had!

    Feb 20, 2007 by
    Rated a Very Helpful Review
    Pros: Quick Approval Better leverage when negotiating with dealer
    Cons: none

    Summary: OK here is the deal. While paying my Capital One credit card, I noticed the Auto Finance link, so I went there, filled out the little form in like 3 minutes, and in 15 minutes I had my approval, and at a much lower rate than my current load. Then I ... read more

  • Had an OK experience so far ...

    Feb 16, 2007 by
    Rated a Very Helpful Review
    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

    Summary: 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 ... read more

  • Capital One Auto Financing: No, Hassle Finance!

    Jan 29, 2007 by
    Rated a Very Helpful Review
    Pros: They're fast initially.
    Cons: Customer Service is about as useless as a poop-flavored lollipop.

    Summary: 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 ... read more

  • Horrible Service

    Sep 11, 2006 by
    Rated a Very Helpful Review
    Pros: Their automatic payment system worked flawlessly in making sure they got their money on time.
    Cons: Deplorable service. No interest in sending the lien release paperwork once a loan is paid.

    Summary: I originally financed my car loan from another company, but they were purchased by Capital One Auto. So, I can't speak for Capital One's application process, but I can tell you that when my loan was paid it took them forever to get the lien release ... read more

  • My second experience with Capital One

    Jun 15, 2006 by
    Rated a Very Helpful Review
    Pros: Fast approval, all on-line, low rate, check in 24 hours.
    Cons: Getting customer service on the phone is a challenge.

    Summary: This is my second experience with Capital One auto-finance. I spent 10 minutes and applied on-line at 7pm EST and had a check in the mail the next AM at 10. The rates are competitive, and I have always made my payments on time (and over payed) so I ... read more

  • Deceptive marketing practices

    Apr 27, 2006 by
    Rated a Very Helpful Review
    Pros: Quick and easy application process.
    Cons: Poor customer service, website doesn't tell the whole story.

    Summary: 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 ... read more

  • Shady Business Practices

    Jan 13, 2006 by
    Rated a Very Helpful Review
    Pros: NONE
    Cons: Extra payment does not go to principal but delays billing cycle

    Summary: 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 ... read more

  • Capital One Auto Finance is EVIL

    Aug 19, 2005 by
    Rated a Helpful Review
    Pros: Few and far between. As of Nov 2006 absolutely NO PROS.
    Cons: After you get the loan and are in the system, they treat you like crap.

    Summary: NOVEMBER 2006 UPDATE The saga continues. In early August Capital One actually was able to set up the account for on-line payment. And, I made a payment for September. I began to think that maybe, just maybe, there was some small possibility that ... read more

  • Easy application process, customer service is lacking

    Jun 1, 2005 by
    Rated a Very Helpful Review
    Pros: easy application, low rates
    Cons: Instructions for the Blank Check could have been clearer. Of course customer service

    Summary: 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 ... read more

  • Banking finally moves online

    May 6, 2005 by
    Rated a Very Helpful Review
    Pros: Great rates, full online account management, fast & reliable site, quick service
    Cons: some additional requirements over standard banks

    Summary: 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 ... read more

  • Very efficient and quick approval, lousy customer service

    Mar 6, 2005 by
    Rated a Very Helpful Review
    Pros: Very efficient application and approval process.
    Cons: Poor customer service, deceptive tactics.

    Summary: 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 ... read more

  • Deplorable customer service

    Nov 19, 2004 by
    Rated a Very Helpful Review
    Pros: None
    Cons: Incompetent customer service

    Summary: 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 ... read more

  • Hassle, hassle, hassle

    Jul 9, 2004 by
    Rated a Very Helpful Review
    Pros: Easy "carpay" phone interface for paying your bill.
    Cons: No way to contact a human, poor closure, subpar customer service.

    Summary: 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 ... read more


    Jun 2, 2004 by
    Rated a Very Helpful Review
    Pros: FAST approval at loans origination. Competitive interest rates.
    Cons: Intentionally Slow At Retaining Your Title/Lien And Overpayments. Texas-Based.

    Summary: 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 ... read more

  • Express Customer Reviews

  • Lienholder

    Oct 23, 2012 by
    Not rated yet
    Pros: "are you serious"
    Cons: "heartless, illogical and doesn't compute"

    Summary: I paid off my vehicle in 2006, It's now (6) years later and a lien on my vehicle is still present, After mailings, calls to these slugs, why is there a lien, who put the lien there, and what does it take to get it removed? Can I put a lien against their ... read more


    Oct 10, 2012 by
    Not rated yet
    Pros: None
    Cons: Theives

    Summary: I paid off my car 14 months ago and I have yet to receive my title. Capital one is a bunch of thieves! They tell me that I have to send an additional check into the state in order to receive my title. DO NOT DO BUSINESS WITH THEM AT ... read more

  • Send My title to the state of Florida

    Sep 30, 2012 by
    Not rated yet
    Pros: Keep away from this company. I suspect they will be regulated out of business anyway,
    Cons: I sincerely hope that this crimminal corp, gets regulated and sued out of business.

    Summary: These has to be the biggest white collar crimminals in the industry.At the end of my payment they came up with a scheme to have me pay extra interests. After argueing at length I paid off the vehicle and they sent my title to Florida DOT! This is ... read more

  • Bait and Switch!

    Aug 24, 2012 by
    Rated Show
    Pros: Blank check program is extremely convenient.
    Cons: They are running a bait and switch con with the interest rates.

    Summary: Be very careful! Interest rate posted online is NOT what they give you!  I researched rates and was surprised to find that CapOne had the lowest rates.  They approved me for the amount I requested but I had to press them to get them to ... read more

  • shady despicable practices

    May 24, 2012 by
    Not rated yet
    Pros: absolutely nothing!
    Cons: shady and deplorable practices!

    Summary: After having paid my entire loan in one transaction in 2009, you can imaginemy shock when I was told in May 2012 that my title was not being released because I had a balance of close to $3000 (payoff amount good for the next 7 days, I was told). I ... read more

  • "THE Preferred Dealer"

    Nov 25, 2011 by
    Not rated yet
    Pros: Quick approval
    Cons: Bad relationship between dealerships and Capitol One

    Summary: I received a notice will my credit card statement about Capital One Blank Check. The approval was easy and a quick process. I drove 3 hours to one of the dealership that was listed on Capital One's website. I picked out the car and as of today a week ... read more

  • Pre-approved, bought car, they refused payment to dealer

    Oct 17, 2011 by
    Not rated yet
    Pros: Rate OK. Nice to present blank check, and drive the car away.
    Cons: They lied about limits, pre-approval. The dealer caught in the middle. We have the hassle.

    Summary: We have an 810 credit score, lots of money in Capital One savings, $30,000 unsecured Venture Visa Capital One credit card, no debt, high income, own our home.  Got the Cap One blank check for car purchase up to $26,400.  Followed guidelines, ... read more

  • Worse Loan Company to Deal with...Lie and String you along

    May 23, 2011 by
    Not rated yet
    Pros: Nothing, they are worthless and just lie to you.
    Cons: Everything, they lead you on and then change the requirements.

    Summary: First they will approve you online and tell you to go look for your new car and send you a blank check in the mail.  Then they will ask you for all these "extra" requirements, things they should have checked before "approving" you.  When I ... read more

  • Getting a car through Capital One Auto Finance was the worst mistake of my life.

    Feb 25, 2011 by
    Not rated yet
    Pros: Nothing
    Cons: A customer service department that harasses you and doesn't help one bit.

    Summary: I first learned of Capital One Auto Finance through a letter they mailed to me. It was a coupon for savings off of a car at a local dealership. So I went there, I found a car, I put a downpayment on it and I brought it home. Then about a year and a half ... read more

  • capital one friging sucks auto finance

    Jan 27, 2011 by
    Not rated yet
    Pros: easy to get a laon with not so good credit
    Cons: they are so full of crap!!!!!!

    Summary: sorry sorry f***in company to go through...if anyone is smart do not use capital one auto or even the credit card, find a different source to go with. when you call them they are in India not the US...go to Thomas I AM MAD AS HELL AND I ... read more

  • Beware!!

    Dec 22, 2010 by
    Not rated yet
    Pros: NONE!
    Cons: Shady!!

    Summary: My husband and I got a car financed through Cap one. After almost three weeks they back out, so now we have to return our car. Thank God the dealership still has our old ... read more

  • Title transfer in excess of 1 month

    Oct 19, 2010 by
    Not rated yet
    Pros: The loan application process was acceptable and rates were ok. 
    Cons: Completely unacceptable delay of over 1 month to return my title. 

    Summary: The process of paying off my vehicle started off simple enough.  I clicked on 'loan payoff', and entered bank info as requested (which they already had).  2 weeks later, I called customer service asking where my title was.  They said it ... read more

  • The WORST - RUN AWAY!!

    Jul 7, 2010 by
    Not rated yet
    Pros: Not one damn thing
    Cons: Terrible service
    mis-appropriates payments
    deliberately slow

    Summary: I just paid off my loan and posted a zero balance. I have heard many complaints about Capital One and I must agree. My attorney is watching them carefully and ready to file a lawsuit if they do not deliver the title within state law which is not ... read more

  • Capital one auto finance no hassle "HA!!!"

    Apr 5, 2010 by
    Not rated yet
    Pros: Work hard to get you to sign on the doted line
    Cons: useless customer service

    Summary: Refinanced auto loan with Capital one in summer 2009, big mistake has been nothing but hassle. Today was finale straw paid off loan and will never use the auto finance again. Just like any other auto finance company required insurance with their name on ... read more

  • No Customer Service and LIARS

    Dec 31, 2009 by
    Not rated yet
    Pros: None
    Cons: Horrible customer service, dispute resolutions, expect the run around

    Summary: Do not sign up for auto pay or expect Capital One to follow through on anything they tell you! They cost me $200 in fees with my bank taking a payment that wasn't authorized and now are sying it wasn't their mistake and they won't refund the money after ... read more

  • Deceptive practices

    Nov 30, 2009 by
    Not rated yet
    Pros: None
    Cons: Terrible customer service, they hold onto your title for 45 days after payoff.

    Summary: Horendous customer service, very difficult to deal with and I would NOT recommend them to a dog. Don't just run away from them BOLT if your considering a car loan with them, my advise is to STEER ... read more

  • Hard to use, support is from India, and it stinks

    Nov 17, 2009 by
    Not rated yet
    Pros: Sorta convenient for the seller.  
    Cons: When you get someone from India who is clueless, the frustration really mounts. 

    Summary: After working the automated phone system that is only good at directing customers to their website, I finally got a human from somewhere near Mumbai.  He was great with a script, but he had no clue how to help and transferred me to an native English ... read more

  • The Worst Ever

    Sep 4, 2009 by
    Not rated yet
    Pros: Average loan rate
    Cons: Inconsistent info from customer service, which appears to all be outsourced to other countries

    Summary: I would NEVER use Capital One Auto Finance again and encourage others not to. I have been trying to sell a financed used car and they have made it almost impossible to do so. Each person I talk to there answers my questions differently. ... read more

  • What more do they want?

    May 31, 2009 by
    Not rated yet
    Pros: Convenience of Internet application.
    Cons: The company's failure to recognize good from bad borrowers.  

    Summary: Despite my excellent credit score, long credit history, and minimal credit card balance, I was declined without proper explanation.  This was not just outrageous, but an absolute waste of my ... read more

  • There loans should be criminal activity

    Mar 12, 2009 by
    Not rated yet
    Pros: None what so ever
    Cons: They are crooks

    Summary: Having not very good credit I was able to get a loan on a 2004 Jeep Liberty with 27K miles on it for about 18K... I'm about 1/2 way paid off and the balance is still over 12K and blue book is 7K now. This is a hole that will never end. There must be guys ... read more

  • overnight delivery invoice

    Jul 28, 2008 by
    Not rated yet
    Pros: online
    Cons: bad customer service

    Summary: I ordered the Blank Check on May 25th with the overnight delivery. On June 4th, it was still not here, so I called. It turned out that Capital One had never sent it! I get a check sent to me...but I didn't end up using it. I still received a $15 fee ... read more


    Jun 4, 2008 by
    Not rated yet
    Pros: NONE
    Cons: Everything

    Summary: Easy to get loan approval. Raise interest rate. Customer service horrible. Customer service can't even tell you anything more then 3 months back. Keep getting default letters when all that should be due is a payment for this month and one late fee for ... read more

  • Fine by me

    Mar 25, 2008 by
    Not rated yet
    Pros: Quick. Website great way to monitor loan and payments, and very easy to pay online.
    Cons: none

    Summary: I paid off my 3 year capital one auto loan in 7 months and after reading some of these reviews expected to wait a long time before getting any lien documentation. I was pleasantly surprise, however, when the documentation came two weeks after I paid off ... read more

  • Capital One Auto Finance SUCKS!!!!

    Mar 21, 2008 by
    Not rated yet
    Pros: Nada
    Cons: don't tell you their needs, don't let to let you know if there are problems

    Summary: Don't rely on the information in the "blank check" have to be psychic to know what they really want. After having made a person-to-person transaction, I eagerly awaited the "OK" email from C.O., and after the guaranteed 1 day, nothing. So ... read more

  • Unbelievable

    Mar 18, 2008 by
    Not rated yet
    Pros: NONE.
    Cons: Total lack of customer service.

    Summary: This company has a total and complete lack of customer service. I challenge anyone to find a competent individual to talk to within their organization. not even consider making an application with this company. They are incompetent, and ... read more

  • Infuriated!

    Feb 6, 2008 by
    Not rated yet
    Pros: None
    Cons: Misleading Customer 'Support'

    Summary: Dealing with Capitalone Auto Finance has been one of the most horrible experiences of my life. We got approved for up to $18,000 and sent in all of our require paper work. Under dealership responsibilities, they are require to call Capitalone to check ... read more

  • Capital One/Ascension Capital Group - Horrible Service

    Nov 20, 2007 by
    Not rated yet
    Pros: None that I can think of
    Cons: Poor customer service, almost impossible to speak to a person

    Summary: Admittedly my credit was going down hill and I was getting ready to file bankruptcy. I bought a car and it was financed at a very high rate through Capital One (at the time I didn't feel I had many options). I filed Chapter 13 and will be done in 4 ... read more

  • The WORST experience ever.

    Aug 1, 2007 by
    Not rated yet
    Pros: I honestly can not think of a single one.
    Cons: Horrible service. Bait & Switch. Delays. These guys should be investigated and shut down.

    Summary: They sucker you in by "approving" you instantly and appearing very efficient. The "approval" is not real - they can (ad dis with me three times) do a "real" approvals, confirmations, change rates, and other games after the fact. Then there is the ... read more

  • Liked it better when it was

    Jun 1, 2007 by
    Not rated yet
    Pros: Quick approval
    Cons: Computer underwritten, horrible customer service, horrible rates, frustrating website, and horrible customer service

    Summary: I am in the process of paying off my third and final auto loan with Capital One Auto Finance. Back when it was I applied online and within 20 minutes they had called both my cell and home phone plus an e-mail letting me know I was ... read more

  • Worst rate for an auto refinancing

    Mar 30, 2007 by
    Not rated yet
    Pros: none
    Cons: Very opportunistic on refinance, only intent is much profit from your wallet.

    Summary: The rate given to me is ridiculous from 15% to 13.75% that is with a very good credit record and credit score. This is one of the opportunistic Banks like the car dealers who just want to take advantage of people trying to get out from debt. Don't even ... read more

  • Worst Company I have ever Dealt With!!!!

    Mar 21, 2007 by
    Not rated yet
    Pros: Great rate...
    Cons: worst customer service ever...not worth the rate...

    Summary: I paid off my Truck in October 2006 2 Years before my loan was scheduled to be paid off. I have fought with them every week asking for my lien release and title, and also my credit to show as paid. Every week they would tell me they were sending it ... read more

  • Capitol One is bad bad bad!!!!

    Mar 14, 2007 by
    Not rated yet
    Pros: NONE

    Summary: I too am a victim of capitol one they have taken my credit hostage. I received a payoff letter from them last year. I paid what they told me to. and then 2 weeks later they send me a letter saying i still owe approx $600.00 and then another letter saying ... read more

  • Screwed up payments on account caused past due status

    Oct 30, 2006 by
    Rated Show
    Pros: Enticed with an easy loan processing setup: a "bait & switch" on customer service.
    Cons: Misapplied payments, Failure to process automatic payments, HARD time getting SOMEONE to CORRECT account payments.

    Summary: Misapplied payments and Failure to Process Automatic Electronic Payments: Principal only payments were applied incorrectly. The automatic electronic payment designated by the loan contract FAILED to happen for 3 months. On-line information was ... read more

  • Poor Customer Service!!!!! Do not do business with these guys

    Sep 8, 2006 by
    Rated Show
    Pros: 50/50 chance the check won't bounce.
    Cons: Employees do not have proper product knowledge. Not worth the headache

    Summary: Customer Service Reps are hit or miss as far as knowing what they are doing. Bought a car and sent the check to the seller's lein holder. I contacted customer service and asked if it was ok to change the terms of the loan on the check I had used from 36 ... read more

  • No Problems

    Aug 15, 2006 by
    Not rated yet
    Pros: Fast, saves time and hassle when negotiating with the dealer.
    Cons: they limit you to a very specific amount you can spend.

    Summary: I applied online and received the check very quickly. It saved a lot of time at the dealer because I didn't have to negotiate dealer financing into the final cost of the car. The payment is automatically deducted from my bank account. ... read more

  • Think Twice...

    Mar 17, 2006 by
    Not rated yet
    Pros: You can apply on the web
    Cons: Capital One, for the average customer, is an impenetrable bureaucracy.

    Summary: My original car loan was with PeopleFirst, who were great to deal with, and then Capital One bought out PeopleFirst. I will never take a loan out (of any type) with Capital One, they are a huge corporate conglomerate and your loan will carry all of ... read more

  • Bad service, RUDE people

    Feb 7, 2006 by
    Not rated yet
    Pros: It was cheaper than my original loan rate.

    Summary: Refinanced my car last summer with Capital One Auto. Car was totaled last month due to no fault of my own. Insurance paid what they were going to pay which left a balance of $1,400. Capital One COLLECTIONS called the next day to demand payment in full in ... read more

  • Terrible when you have an issue

    Jan 5, 2006 by
    Not rated yet
    Pros: None
    Cons: You have to do all the legwork to resolve an issue.

    Summary: I cancelled the extended warranty and the refund should have been credited to my loan balance. However, CapitalOne says they've never received it. Furthermore, their customer service reps aren't willing to go any further to help than to just look whether ... read more

  • Horrible customer service, Never received Title Release

    Dec 21, 2005 by
    Not rated yet
    Pros: Low rate for used vehicle
    Cons: OVERALL a BIG hassle

    Summary: I paid my loan in full 5 months ago. They applied my payment incorrectly and it took several weeks to get it fixed. Never received a title release despite several calls. Now since I moved they refuse to send it to my new address! Never again. ... read more

  • Stay away from Capital One

    Nov 8, 2005 by
    Rated Show
    Pros: There are no pros.
    Cons: all cons. in more ways than one.

    Summary: I went through the lengthy application and was approved for the amount I wanted, then I was informed I could not buy the car I wanted, because it was to old. Even though the car only had 11,000 miles on it and was a steal at the price it was being ... read more

  • Works Great

    Nov 1, 2005 by
    Rated Show
    Pros: FAST, easy
    Cons: No human contact (if you need that sort of thing)

    Summary: I read the opinions posted here prior to signing with Capital One, and I must say that I did have some second thoughts. However, You cannot beat the interest rate (5.45%) when compared to what my bank was offering (10.7%). I submitted my application at ... read more

  • Deceiving, and could have been embarrassed at dealer.

    Aug 9, 2005 by
    Rated Show
    Pros: Ability to submit your own application online.
    Cons: Deceptive solicitation.

    Summary: I was pre-approved according to the letter they sent me. All I had to do was bring in the required materials (paystub, phone bill, references) to the dealer. I had a suspicion, so I tried to apply for Cap One financing on my own ,on the website, and it ... read more


    Jul 15, 2005 by
    Rated Show
    Pros: fast approval
    Cons: everything else takes forever to fund the check "blank check" isnt really a check

    Summary: i applied for capital one financing, got approved within a day, then took a couple days to get the check and had to send them some more information, everything went ok......... then i went to the dealer and used the check, says on the back of the check ... read more


    Jun 22, 2005 by
    Rated Show
    Pros: NONE
    Cons: Deceptive and perhaps fraudulent practices.

    Summary: I applied for an auto loan on-line through Capital One. I was quickly approved. They sent me a blank check in the amount of my approval. I did not use the check as I was not sure that I wanted to proceed with the auto purchase. A few weeks after ... read more

Showing 1-102 of 102 reviews

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