We Have a Loan For You

Our customers enjoy the convenience of our Blank Check® to buy their next vehicle. You use the Blank Check® just as you would your own personal check. Simply make the check payable to the dealer or the seller (up to your approved loan amount) and exchange it for the keys to your new car!

We'll do our best to offer you a great auto loan. You'll always receive our professional customer service, regardless of your credit. The rates advertised are for excellent and substantial credit customers. For other credit needs, we offer our Custom Finance Program. All loans are subject to credit approval by Capital One.

Loan Terms You'll Like

Your loan's applicable annual percentage rate will be locked in for 45 days on the day a completed application is submitted to us so you can shop around for the perfect vehicle.

We calculate the interest charges on your loan using the simple interest method and there are no penalties associated with prepaying your loan. Payments are monthly, and you specify the monthly due date for your payments.

Capital One does not require a down payment and there are no application fees. And you will not have a loan or any obligation until you sign the check and purchase or refinance your vehicle. By signing the check, you will be accepting the terms and conditions of the loan agreement attached to the check.

We provide auto loans in all states, except New Hampshire. Minimum Loan Amount: $7,500 Maximum Loan Amount: $75,000 ($10,000.01 minimum in Arizona).

Speedy Approval

Once you submit your loan application, it will be reviewed and you will receive a response within 15 minutes during our business hours (Monday - Friday: 9 a.m. to 5:30 p.m. and Saturday: 8 a.m. to noon Pacific time). During non-business hours, your loan will be processed the next business day.

If approved, we will send you, via first class mail, a loan agreement with your no-obligation Blank Check® attached.

Need your Blank Check® sooner? No problem.

If you prefer overnight delivery of your loan package and Blank Check®, select the overnight option on the loan application form. Your signature will be required and there is a $15 fee for overnight delivery.