How Auto Refinance Works
- Pre-Qualification: Submit an application to see if you pre-qualify to refinance your current auto loan with no impact to your credit score.
- Credit Application: Select the offer that you want, review the information you entered and complete the credit application which will result in an inquiry posted to your consumer credit report and may impact your credit score.
- Finalize: Provide your Vehicle Identification Number (VIN), E-Sign your contract, enter in your current lender details, and if needed, send in any supporting documents. The Capital One Customer Service team will then begin to process your application. After your loan has been finalized, you will need to provide us with Title Transfer documents that vary by state.
Step 1
Pre-qualify in a minute.
Tell us about yourself and your vehicle to see what you could save. There’s no commitment and no impact to your credit score.
Step 2
Confirm your details.
Pick the offer that best fits your goals and then finish the credit application online. As with any loan, we’ll need to post an inquiry to your consumer credit report and confirm any details necessary to complete a final contract.
Step 3
Enjoy your savings.
We’ll take care of paying off your old auto loan and help you transfer your title once you’re approved. Welcome to your new auto loan!
About you (the applicant):
To pre-qualify for refinancing, you must be in good standing (not over limit, past due, or charged off) on any other existing Unity Trust Finance account. You must be in good standing on your mortgage and auto loan payments. You must be at least 18 years of age to apply. Applicants must have a valid physical street address within the contiguous United States at the time of application. P.O. Box addresses are not eligible for refinancing. An individual who does not have a physical street address may use an Army Post Office address or a Fleet Post Office address. A minimum monthly income requirement of $1,500 to $1,800 will apply depending on your credit qualifications.
Pre-qualification does not guarantee that you will receive financing or any particular financing terms, which are subject to change based on our evaluation of the credit application and any required documents.
Your pre-qualification expires 30 days from the date your pre-qualification application is received. You may use your pre-qualification on the expiration date, but not on any day thereafter. After pre-qualification, when you submit your credit application you will have at least 15 days to provide any required information or documents and sign your contract. If your offer expires before you are ready to refinance your vehicle, please re-submit a pre-qualification application to check your eligibility for a new offer.