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Best for: Borrowers in the contiguous US with a $7.5k–$75k loan on a vehicle 10 years old or newer

Capital One Auto Finance

Capital One — soft-pull prequalification, $7.5k–$75k refinances, vehicles 10 years or newer.

Min credit
Not disclosed
APR
Not published
Max vehicle age
10 yrs
Max mileage
Not disclosed

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"Not disclosed" means Capital One Auto Finance does not publish this on their public site. "No restriction" means Capital One Auto Finance explicitly states no limit.

Overview

Capital One Auto Finance offers a soft-pull online prequalification, then a single APR offer. The product is available only in the contiguous United States (Alaska, Hawaii, Puerto Rico are excluded) for loan amounts between $7,500 and $75,000 on vehicles 10 years or newer with an established resale…

What’s great

  • Soft-pull prequalification
  • $7,500–$75,000 published loan range
  • Vehicles up to 10 years old eligible
  • $1,500/month minimum income — relatively accessible

What to know

  • Available only in the contiguous US — no AK, HI, or territories
  • No lease buyouts and no cash-back refinancing
  • Excludes commercial-use vehicles, salvage/branded titles, and out-of-production brands like Suzuki and Isuzu
  • Aggregate Capital One auto-loan limit of $100,000 across all accounts
  • FICO floor is not numerically published

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
Maximum vehicle age10 years
Maximum mileageNot disclosed
Loan amount range$7,500 – $75,000
Term lengthNot disclosed
States served48 states

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Capital One Auto Finance's own published materials. Rates, eligibility, and terms can change — verify directly with Capital One Auto Finance before applying.

  1. [1]Capital One Auto Finance — Refinance: $7,500–$75,000 loan range; vehicles up to 10 years with established resale value; $1,500/mo minimum income; contiguous US only (no AK/HI/PR); excluded brands (Suzuki, Isuzu, out-of-production makes); no salvage/branded titles; no commercial use; no lease buyouts or cash-back refis; representative APR 9.50% on a $25,000 60-month loan; soft-pull prequalification — Capital One
    https://www.capitalone.com/auto-financing/refinance/
    Last checked: October 2026