What credit score do I need to refinance through Capital One?

What credit score do I need to refinance with Capital One? I've been getting promotional emails through Capital One about car refinancing. The rates seem great. That said, my credit score isn't high and I'm worried I'll be denied for financing.

Answer provided by
Eric Schad
Answered on Jul 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Capital One is widely known to work with people who have lower credit.
You may get approved, but don’t expect to get the car loan rate they’re advertising.
Most advertised car loan rates are for people with top-notch credit. As a person with less-than-stellar credit, you’re probably going to get a rate much higher.
Before you go through the hassle of applying, contact Capital One to see what their rate might be for someone with your credit.

You can save money on your car insurance, too.

Since you’re looking to refinance your car, you may want to take a look at your insurance rates and find ways to save.
You can use a handy tool like the free Jerry app to help you find cheaper car insurance. Jerry pulls quotes from the top 45 companies in under a minute.”

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