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Auto Loan Refinance Rates as low as 4.99%

Americans are refinancing their auto loans left and right, saving hundreds, even thousands in overall interest, and cutting monthly payments. Could you save BIG too?

This page:

Briefly describes the application process

Links to additional info on vehicle refinancing


Get the lowest auto loan rates:

Capital One Auto Finance offers the lowest auto loan rates in the country, for people with all types of credit ratings.

Apply with Capital One whether you are buying a new or used car, or even if you are buying from an individual. Whatever your choice, you will save thousands.

Auto loans
Click here for your quote


If you have poor or no credit, click here to apply for special financing.


How refinancing works

Well, it's really quite simple: if you are making payments on a car, you can probably reduce your interest rate by refinancing the loan at a better rate.

That is because either:

- your credit is better now than it was when you purchased your car, and so you qualify for a better rate, or

- interest rates are simply lower than they where when you bought your car,

or both.

In any case, you will most likely save money.

Apply online and get a response in 15 minutes during business hours (Monday - Friday: 9 a.m. to 5:30 p.m. and Saturday: 8 a.m. to noon Pacific time). If approved, a Capital One Blank Check® will be sent to you by mail.

Simply make the check payable to the existing lender for your remaining loan balance and mail the check to the lender. Your loan with Capital One will be activated after your existing lender processes the Blank Check®.

Capital One Auto Finance will need to be listed as the new lien holder on the title. They will take care of most of the paperwork, with some assistance from you. The process varies slightly by state and will be detailed in your loan package. You are responsible for the one-time fee charged by your respective state to change the lien holder. These fees range from approximately $5 to $65, depending upon the state.

For most states, you'll need to sign the titling instruction (included in your loan package). Make sure that the lender releases the title to Capital One, and sends these documents, along with a check to cover the state fees, to address they provide you with.

Yes, it's that easy.

Get a risk-free refinance quote now