Capital One Auto Financing Reviews
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About Capital One Auto Financing
This profile has not been claimed by the company. See reviews below to learn more or submit your own review.
Capital One Auto Financing provides vehicle loans and financing solutions. The company offers direct auto loans for new and used vehicles, refinancing options and digital loan management tools. Since 1994, it has developed its application processes and integrated rate comparison tools and account management features to facilitate vehicle purchases and loan servicing.
- Competitive interest rates offered
- Flexible payment options available
- Payment processing issues reported
- Lack of communication on claims
Capital One Auto Financing Reviews
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- 4,883,792 reviews on ConsumerAffairs are verified.
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Reviewed May 19, 2026
I would never recommend Capital One to get an auto loan. They have truly treated me awful about the situation of being an a cosigner person. The person paid on their loan for four years and six months and was in an accident and they won’t even have the sympathy to take me off as an cosigner and let him pay on his own loan. But yet it would go in and put it as a repo, which is gonna affect my credit for seven years. They have no sympathy. And I have tried to fight and fight to get it off of my record.
Reviewed May 13, 2026
I am extremely disappointed with Capital One Auto Finance and the lack of compassion they show customers facing real financial hardship. Losing employment and struggling financially is already stressful enough, but instead of working with customers to create a reasonable payment plan or temporary hardship solution, they seem completely unwilling to help protect accounts or credit standing during difficult times.
I reached out in hopes of finding assistance and a path forward, but the experience felt cold and unsupportive. Companies should understand that many hardworking people are going through unexpected financial challenges and simply need flexibility and communication — not added stress and pressure. Customer service and understanding go a long way, and unfortunately, that has not been my experience with Capital One Auto Finance
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Reviewed April 15, 2026
"Avoid Opening A Capital One Auto Finance Loan." But if you do, be prepared to encounter an experience that is un-American, unprofessional, and a difficult interaction with their so-called customer service representatives. And with their upper management which is dismissive and indifferent at best when addressing issues concerning their customers. Not to mention:
-Credit bureaus report delays and inaccurate overall reporting that negatively impact your credit score.
Reviewed April 10, 2026
Capital One auto financing is not worth it. The interest rates are high and they do not refinance, even if you’ve been a faithful customer, without any late or missed payments. AVOID THEM AT ALL COST! Finance your vehicle through a “regular” bank!
Reviewed March 18, 2026
Capital One auto finance is the absolute WORST customer service automated line that I have ever called!! You absolutely cannot get a person. EVER!! I have just tried to call them about 25 times and the automated line WILL NOT transfer you to a person. It repeatedly hangs up on you. Every time!
Reviewed March 17, 2026
This company has one of the worst customer service/contact options. No human ever answers the phone and the automated options are of no help. One of the worst experiences. If I could leave a "0" I would!
Reviewed March 17, 2026
5 years ago I signed a contract with Capital One Auto Finance, for 5 years my auto loan payments in the amount of $426.14 have been on auto pay, for 5 years I have NOT missed payments, for 5 years NONE of my payments have EVER been late, for 5 years Capital One Auto Finance, as agreed, have been receiving their payments and on today, let me remind you that I have less than one year remaining on the auto loan contract and I called into their customer service to get some assistance with putting my upcoming payment on the back end of my now 5 year loan and the agents and manager’s that I spoke with blew my mind. They denied me the request.
Even after me explaining the unexpected health situation that I was dealing with that’s caused a temporary decrease in my income for the moment I was extremely heartbroken that after being a loyal customer for 5 years straight Capital One basically sat on the phone and told me that no matter what happened with you, you better make the payment! This has left a very distasteful feeling about this company because if it weren’t for the customers, Capital One wouldn’t be a business and to show this kind of behavior is unbelievable! They’ve sent marketing emails for me to use them in the future, whenever I do login the account they have the same thing, to use them in future purchases.
I WOULD NEVER consider using them for any business that I have just because of this one incident! This is completely shocking! But people beware of them begging for business to not be good business owners! I’ve attached proof of the history just to show you that this statement is true and I’m not just getting on here making false statements!
Reviewed March 4, 2026
Prior to surgery I called Capital One auto loan dept. For the record it would be nice if they spoke clearer English. Anyway I was out of work already for 2 months due to waiting for major surgery, was not behind at that point and made payments on time so I asked if they could take 1, 2 or up to 3 payments and add to end of loan like most companies do due to my up coming surgery. I had my surgery and will be back to work at my very successful business as be explained I will continue to pay on my truck as I have for 4 1/2 plus years.
I have 12 payment left but yet they refuse to help me even though this is my main vehicle to perform my business with. It is very frustrating, disappointing and UNreal that a company that pays millions in ads and commercial with extremely popular actors and actresses but can’t even provide a service or faith and add just a couple months onto a loan they’ve already made good money on. Instead they rather threaten to take my truck, sell it for probably less than worth and screw me over.
Where is human compassion rated with them over greed, apparently at the bottom of the pit. I never asked for what happen to me and it was because of a mistake made by a doctor that lead to surgery that could’ve been corrected 3 years ago. I know this letter looks jumbled and back and forth but people need to see how much compassion there isn’t when someone need help that wasn’t even my fault. I’m more than willing to pay this loan off and will be able since surgery was very successful, but just need a little extra time.
Reviewed Feb. 6, 2026
I applied for an auto loan a few weeks ago, the representative was incredible!! Today I received a handwritten card congratulating me on quitting smoking. (I had mentioned that to Judy **). It truly made my day! I like the personal human touch. Thank you Judy **. You truly made my day!
Reviewed Feb. 1, 2026
Capital One Auto Finance violated federal law and IRS notice requirements to notify borrow of 2025 auto loan interest by the deadline of January 31, 2026. On January 29, 2026, I had a 45 minute long phone conversation with a representative and escalation manager. Explained my request to receive this require notice and also explaining the deadline of January 31, 2026 to provide the required notice. Escalation manager advised they would call me back on January 30, 2026 but no one ever responded by any means of communication and then they failed to provide the required documentation by the deadline. Fines, penalties and civil liability are possible against Capital One Auto Finance for this failure.
Capital One Auto Financing author review by Emma Simon
Capital One Bank is a well-known financial institution that provides auto loans and financing for new and used cars. The company was founded in Richmond, VA in 1988.
Low rates: Capital One can provide low rates for consumers with a good credit history. Get pre-qualified and know how much to spend.
Low payments: The company can also negotiate low payments with Capital One Auto Finance specialists to help you lower your payments.
Auto loan calculator: They provide an auto-loan calculator that allows borrowers to estimate monthly car payments for the total amount they need to finance. They also offer an auto learning center to learn about financing, loan extension and more.
Wide network: They have a network of over 12,000 eligible dealers, in order to offer customers plenty of inventory and brand options.
Variety of loan options: The company provides a huge range of auto loan options, whether buyers are purchasing used or new automobiles.
As a member of the ConsumerAffairs research team, Emma Simon is dedicated to creating accurate and valuable content that helps consumers make difficult decisions.
Capital One Auto Financing Company Information
- Company Name:
- Capital One Auto Financing
- Year Founded:
- 1995
- Address:
- 7933 Preston Road
- City:
- Plano
- State/Province:
- TX
- Postal Code:
- 75024-2302
- Country:
- United States
- Website:
- www.capitalone.com