Is this page an offer of credit?

No. It is a lender's published offer, copied from the lender's public website on the date shown, and nothing on it is a quote, a pre-approval or a commitment to lend. Your rate is set by the lender after you apply on its site.

Why does the APR show a range?

Because that is what the lender publishes. Banrox shows the APR block only when the lender publishes one and quotes the lender's own wording; the rate you are offered depends on your credit history, income, amount and term, and may be higher than the lowest rate shown.

How is the monthly payment estimate calculated?

Principal and interest at the lowest APR the lender publishes, over the term you pick, excluding origination and other fees. It is an estimate for comparison only, and the lender's own disclosure governs.

What is the "Lowest APR" history chart?

A record of the lowest APR this lender published each time Banrox checked its page, so you can see whether the rate has been moving. It is a history of published rates, not a prediction of what you will be offered.

Does Banrox get paid if I apply?

Banrox may receive compensation from the lender when you take a product through the site, and that compensation cannot change the order in which offers are shown. Advertiser and Affiliate Disclosure.

Does clicking Apply affect my credit?

Not on Banrox. Apply takes you to the lender's site, where the lender's own application may involve a hard inquiry, and the lender must tell you before it does. Soft pull and hard pull, explained.

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Capital One Auto Navigator: New Car Purchase Financing (dealer)

Capital One Auto Navigator · Auto loan · Rates as of Nov 02, 2026

Capital One Auto Navigator

APR (fixed)

from 5.82%

APR as low as, ceiling not published

What Capital One Auto Navigator publishes: "Displayed used and new auto loan rates for Capital One financing with participating dealers are based upon the previous month's Capital One funded loan data for loan terms of 60 and 72 months for individuals with excellent credit characteristics. Rates are subject to change. Financing subject to eligibility."

Published new-car figures: 60 months 5.59% APR, 72 months 5.86% APR. These are averages of last month's funded loans for excellent-credit borrowers, not a floor or ceiling. No maximum APR published, so apr_max is null. Actual financing terms aren't final until you complete the financing process at the dealer.

The rate you are offered is set by Capital One Auto Navigator after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.

Loan amount and term

Loan amount	up to $100,000
Term	up to 72 months
Rate type	fixed
Funding speed	Pre-qualification decision online with no impact to credit score; financing finalized at participating dealer (no funding time stated)

Fees

Origination fee	Not stated
Prepayment penalty	Not stated
Late fee	Not stated

Eligibility

Minimum credit score	Not disclosed
States	Contiguous United States only (valid street address required; Alaska and Hawaii excluded from dealer network)
Membership	Not required

Highlights

Funding: Pre-qualification decision online with no impact to credit score; financing finalized at participating dealer (no funding time stated)
Borrow up to $100,000

About Capital One Auto Navigator

Legal name	Capital One, N.A. (Capital One Auto Finance)
Type	Bank
Website	https://www.capitalone.com/cars/

Other Capital One Auto Navigator offers on Banrox: Capital One Auto Navigator: Used Car Purchase Financing (dealer), Capital One Auto Loan Refinancing.

Source and date

Rates as of	Nov 02, 2026
Lender rate page	Open
Lender disclosures	Open

Every number on this page is copied from Capital One Auto Navigator's public website on the date above. Banrox does not set, estimate or adjust lender rates.

Estimated payment

at 5.82% APR, the lowest published

/month

Loan amount and term

Apply

Apply on Capital One Auto Navigator's site

See the lender's rate page

Lowest APR, last 15 checks

Estimate only. Principal and interest at the lowest APR the lender publishes, excluding fees. Your actual rate, payment and eligibility are decided by the lender. This is not an offer or a commitment to lend.

Compare with

LightStream: LightStream Auto Refinance 10.24% to 17.99%
PenFed Credit Union: PenFed Auto Loan (new, used, refinance, car buying service) 3.39% to 6.24%
OneMain Financial: OneMain Financial Auto Refinance Loan / Auto Purchase Loan Not published

Third-party lenders

Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.

Compensation

Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.

Rates and estimates

Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.

Before you rely on anything on this page

Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.

Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.

Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.

How Banrox is paid, and why payment cannot change the order of a comparison: Advertiser and Affiliate Disclosure. Full terms: Terms of Service.

Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.