Capital One Auto Finance

104 ratings (102 Epinions reviews)
Epinions Product Rating: Disappointing
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    Highest Rated Consumer Review by the Community

  • 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

  • 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

  • STAY AWAY AT ALL COSTS

    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 town.so 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
    Difficult 
    Slow

    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

Showing 1-20 of 102 reviews
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