Bank · FDIC insured
Capital One Auto Loan Rates
Capital One auto loans start at 5.77% APR for a new vehicle and 6.64% for a used one. Rates checked October 22, 2026.
How Capital One’s auto loan rates compare
Compared with banks and credit unions nationwide. New vehicle, lowest advertised APR first.
This bank’s lowest
Capital One
5.77%APR
- Terms
- up to 72 months
New Auto Loan
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
Capital One auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.77%
- Used vehicleUsed6.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Capital One ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
Financing available through Capital One participating dealers. Requires meeting eligibility criteria and excellent credit characteristics.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.82% | As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics. |
| up to 72 months | 5.77% | As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics. |
Sources (1)
- capitalone.com/cars/auto-loan-rates · captured Oct 15, 2026
Used Auto Loan
Financing available through Capital One participating dealers. Requires meeting eligibility criteria and excellent credit characteristics.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.69% | As low as rate for a used Capital One auto loan in October for individuals with excellent credit characteristics. |
| up to 72 months | 6.64% | As low as rate for a used Capital One auto loan in October for individuals with excellent credit characteristics. |
Sources (1)
- capitalone.com/cars/auto-loan-rates · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.