Capital One Auto Finance

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!

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 ...

Pros: Quick Approval Better leverage when negotiating with dealer
Cons: none

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 ...

Pros: Fast approval, all on-line, low rate, check in 24 hours.
Cons: Getting customer service on the phone is a challenge.

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 ...

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: 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: 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 ...

Pros: n/a
Cons: crooked

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 ...

Pros: Fast, Professional, Convenient, Helpful, Friendly
Cons: Horrible High Rates, Slow Blank Check Shipping

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 ...

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: 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: 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: Advertised low rates. Don't know if they deliver.
Cons: Non-existant customer serviced coupled with the fact they have LIED on several issues.

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 ...

Pros: great finance rate.
Cons: everything else.

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 ...

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.

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 ...