Negotiate like a cash buyer

The Blank Check puts you in control

	Save money: Get car financing at a low APR and your Blank Check® as soon as the next day. Save time: Know your terms up front and avoid the financial paperwork. Stay in control: Shop like a cash buyer and focus on getting your best price.

Negotiate like a cash buyer—focusing on price, not car financing

• Apply now and get a response within minutes
  
• Lock in a low rate for 45 days
  
• Use your Blank Check to buy a new or used car from any

  

  Franchised dealership

  A franchised car dealership sells new and used cars for auto manufacturers such as Ford, General Motors, Honda, and other major brands. The manufacturer is often listed in the dealership’s name.

  You may also purchase a used vehicle from CarMax or the following rental agencies: Enterprise, Hertz, Budget and National.

  
  

  Franchised dealership

  A franchised car dealership sells new and used cars for auto manufacturers such as Ford, General Motors, Honda, and other major brands. The manufacturer is often listed in the dealership’s name.

  You may also purchase a used vehicle from CarMax or the following rental agencies: Enterprise, Hertz, Budget and National.

With a Capital One Auto Finance^® loan, you’ll receive our exclusive Blank Check — a real check that you can use to buy the new or used car you want. It’s easy and convenient. Just make out your Blank Check to a dealer for the purchase price and down the road you go.

Buying a used car

Buying a used car? Lock in your low rate for 45 days

Apply today – get pre-approved before you shop Negotiate like a cash buyer with our exclusive Blank Check® Save time at the dealership When you’re pre-approved for a used auto loan from Capital One Auto Finance®, it puts you in control at the dealership. You know all your loan terms up front so you can save time, eliminate the financial paperwork and focus on price and the car you want. With our exclusive Blank Check, you can shop at any Franchised dealership A franchised car dealership sells new and used cars for auto manufacturers such as Ford, General Motors, Honda, and other major brands. The manufacturer is often listed in the dealership’s name. You may also purchase a used vehicle from CarMax or the following rental agencies: Enterprise, Hertz, Budget and National. Franchised dealership A franchised car dealership sells new and used cars for auto manufacturers such as Ford, General Motors, Honda, and other major brands. The manufacturer is often listed in the dealership’s name. You may also purchase a used vehicle from CarMax or the following rental agencies: Enterprise, Hertz, Budget and National.

Managing Your Account FAQs

1. How long does it take for a payment to post to my auto loan account?

All payments are posted at the close of business on the business day they are received. After your payment has posted, it will be processed and appear on your account the following business day. To get your most recent payment history, view it online by logging in to your account. Please allow a minimum of seven business days for your payment made by mail to be received.

2. Can I make extra payments? If so, how will the extra payments be applied to my account balance?

Yes, you can make payments to your loan at any time. Extra payments are applied as a principal reduction on your next month’s payment and then to unpaid fees, if any.

3. I had a fee on my account and I tried to pay it last month. My invoice shows the payment I made was allocated to my next month’s payment instead of the fee. Why?

Your payment was applied to you next month's payment because your payment was received after your payment due date. Payments received are posted to your account in the following order: 1) current payment due, including any past due payments, then 2) any unpaid fees. Payments will only be applied to unpaid fees when your payment is received before the due date of the current payment due, or when there is no payment due.

4. Can I make a payment online for more or less than my regular payment amount?

Online payments will be accepted for any amount between your normal payment amount and up to three times your monthly payment amount. For example, if your monthly payment amount is $250, you may make an online payment for any amount between $250 and $750.

5. How can I make a one-time payment?

You can make a one-time online payment by logging in to your account and clicking on the “Payments” button next to your auto loan. Next, click the “One-time Payments” button and follow the directions. You will need your bank account information to complete the transaction.

6. How do I set up recurring payments?

You can set up recurring payments by logging in to your account and clicking on the “Payments” button next to your auto loan. Next, click the “Recurring Payments” button, and follow the directions. You will need your bank account information to set up your transactions.

7. Are there any additional fees associated with online payments?

There are no additional fees for making online payments.

8. Can I make an auto loan payment with my credit or debit card?

No. Capital One Auto Finance does not accept credit or debit cards for making an auto loan payment.

9. Can I payoff my auto loan through Capital One Online Banking?

No. Customers wishing to payoff their loan balance in full should contact Capital One Customer Service at 800-946-0332.

10. What is the difference between current balance and “total amount due?”

The current balance reflects only the principal balance of your loan. Total amount due includes the principal balance, accrued interest and any applicable fees.

11. When will phone or Web payments post to my online account balance?

All payments received before 5 p.m. eastern time are posted at the close of business on the business day they are received. Payments received after 5 p.m. eastern time, on weekends, or other non-business days such as federal holidays, will post at the close of the next business day. After your payment has posted, it will be processed and appear on your account the following business day. Example: Payments received on Tuesday before 5 p.m. eastern time will be visible on Wednesday, assuming neither of these days is a federal holiday. View your most recent payment history online by logging in to your account.

12. Where can I find my payoff balance?

Your loan payoff balance can be viewed online by logging in to your account. The balance quoted is good for 10 days, to allow ample time for your payoff to be received and posted. Any overpayment will be refunded within 30 days.

13. After I have paid off my loan, when will I get my title?

The time it takes to receive your title varies. It could take up to 30 days to release your title. However, if you paid your balance with guaranteed funds, such as a bank issued Cashier’s Check, it could be released in as little as seven business days. Your state’s processing requirements also affect the outcome, as some states process titles electronically, while others do not. Contact your local titling or registration authority to determine its title transfer process. For more detailed information on your Capital One account, please call Capital One Customer Service at 800-946-0332.

14. I want to sell my car, but I have an outstanding balance. How can I get my title so I can give it to the buyer?

Capital One Auto Finance only releases a title or its equivalent, when the loan is paid in full.

15. I moved to a different state, how do I get a copy of my title to register my car?

Refer to your new state of residence for its registration requirements. If your new state requires a copy of the title in order to register your car, please fax a titling or registration authority form to Capital One at 916-854-5616.

16. If my name has changed, how do I change it on my title?

Refer to your new state of residence for its registration requirements. If your new state requires a copy of the title in order to register your car, please fax a titling or registration authority form to Capital One at 916-854-5616.

17. Do I have to continue making payments if I was involved in an accident and my insurance company says my vehicle is a Total Loss?

Borrowers are responsible for making their monthly payment until the loan is paid in full. If a Total Loss event has occurred, please call Capital One Customer Service at 800-946-0332 and provide us with your complete insurance information, so we can begin working toward a final settlement with your insurance. You will need to provide us with your insurance policy number, date of loss, settlement amount, adjustor name and contact information. You may also have your insurance adjustor contact us on your behalf. You will be responsible for any balance, if one remains, after your insurance pays the settlement. If you have GAP insurance or other debt protection coverage, Capital One will be able to provide you the information needed to file the necessary claims.

18. I was involved in an accident and my insurance company issued me a check made payable to Capital One Auto Finance (or its subsidiaries.) How do I get this check endorsed?

Send the check along with any requested supporting documentation to Capital One Auto Finance directly. Our support team will endorse the settlement check and overnight it to the body shop. You’ll need to call 800-946-0332 to notify Capital One Auto Finance customer service of your accident. Please provide your insurance policy number, date of loss, settlement amount, adjustor name and contact information. You will also need to provide the Capital One customer service agent with complete body shop details.

19. I was involved in an accident and my insurance company says my vehicle is a Total Loss. I purchased GAP coverage from the dealer. How do I file a claim?

Please refer to your GAP policy for specific information on coverage and how to file a claim. If you can not locate the GAP policy you purchased from the dealer, please contact the dealer directly to obtain a copy.