All Loans > Personal Loans > Capital One Personal Loans Calculator
Important disclosure

Capital One Personal Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 26 February 2024
Fact checked

Capital One personal loans overview

Capital One logo

Currently, Capital One doesn’t provide personal loans. Instead, the bank offers a range of credit cards and auto financing to help you cover your expenses. You can pick from different credit card options to find the one that suits your needs and enjoy competitive rates and minimal fees. If you’re looking to finance your vehicle, you can also opt for a car loan..

Want to see what a Capital One personal loan will cost? Try the Capital One personal loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments. .

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Key features

  • Minimum loan amount: $4,000 for auto loans.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 18.99% APR depending on the credit card.
  • Loan terms: Up to 84 months for auto loans.
  • Loan fees: No application fee for auto loans and no annual fee for selected credit cards.
  • Discounts: Cash back on certain credit cards.

Capital One personal loan options

New and used auto loans

If you’re financing a new or pre-owned vehicle, Capital One offers flexible auto loans. You can borrow a minimum of $4,000 and secure repayment terms stretching up to 84 months. To find out your interest rate, you can get prequalified without affecting your credit score.

Credit cards

While you can’t get a personal loan, Capital One offers a variety of credit cards you can pick from. Interest rates can range from 18.99% to 32.24% APR depending on the credit card you apply for. On top of this, some cards don’t have annual fees and can help you earn cash bonuses and cash back offers.

Capital One personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$20,000

Term

3 months

Change
Featured
Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
Featured
Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
ECU offers extraordinary products & services that make life just a little easier.
iTHINK

iTHINK personal loans (secured)

iTHINK personal loans (secured)
Estimated Month Repayments
$590 Inclusive of fees
Interest Rate
4.00%
APR
Repayment Period
12 months
to 120 months
Loan Amounts
$300
to $20,000
Go to site
Your Credit Union will help you with the financing of an unexpected expense, debt consolidation, or anything you want or need.
SoFi

SoFi personal loans

SoFi personal loans
Estimated Month Repayments
$599 Inclusive of fees
Interest Rate
4.99%
APR
Repayment Period
24 months
to 84months
Loan Amounts
$5,000
to $100,000
Go to site
SoFi Personal Loans could help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase. It only takes minutes to apply.
HSBC

HSBC personal loans

HSBC personal loans
Estimated Month Repayments
$608 Inclusive of fees
Interest Rate
5.99%
APR
Repayment Period
24 months
to 60 months
Loan Amounts
$3,000
to $50,000
Go to site
Receive funds as soon as today with an HSBC Personal Loa
Discover

Discover personal loans

Discover personal loans
Estimated Month Repayments
$617 Inclusive of fees
Interest Rate
6.99%
APR
Repayment Period
36 months
to 84 months
Loan Amounts
$2,500
to $35,000
Go to site
Get your personal loan interest rate and monthly payment with no impact to your credit score. To get started, simply enter the amount and length of the loan you want.
Marcus

Marcus personal loans

Marcus personal loans
Estimated Month Repayments
$617 Inclusive of fees
Interest Rate
6.99%
APR
Repayment Period
36 months
to 72 months
Loan Amounts
$3,500
to $40,000
Go to site
Backed by over 150 years of financial expertise, Marcus by Goldman Sachs was designed to help you make the most of your money.
Old National Bank

Old National Bank personal loans

Old National Bank personal loans
Estimated Month Repayments
$617 Inclusive of fees
Interest Rate
6.99%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $100,000
Go to site
If you have a major expense on the horizon, and don't want to pay for it with other options such as a home equity loan, a personal loan may be the ideal choice.
Delta Community Credit Union

Delta Community Credit Union personal loans

Delta Community Credit Union personal loans
Estimated Month Repayments
$618 Inclusive of fees
Interest Rate
7.00%
APR
Repayment Period
24 months
to 36 months
Loan Amounts
$500
to $20,000
Go to site
It's easy to apply and you'll be able to budget better because your monthly payments won't change. We also offer a variety of repayment options.
LendingClub

LendingClub personal loans

LendingClub personal loans
Estimated Month Repayments
$618 Inclusive of fees
Interest Rate
7.04%
APR
Repayment Period
36 months
to 60 months
Loan Amounts
$1,000
to $40,000
Go to site
Pay down high-interest debt, consolidate credit card balances—and save more than $1,000.* With single monthly payments, lower fixed interest rates, and no prepayment penalties, a personal loan from LendingClub Bank can help you simplify your finances and take control of your debt.
USAA

USAA personal loans

USAA personal loans
Estimated Month Repayments
$620 Inclusive of fees
Interest Rate
7.24%
APR
Repayment Period
6 months
to 84 months
Loan Amounts
$2,500
to $20,000
Go to site
A personal loan can provide the money you need to help cover unexpected expenses and more. It's often a good alternative to using a higher interest credit card. We offer flexible terms and no application or early repayment fees.
Achieva Credit Union

Achieva Credit Union personal loans

Achieva Credit Union personal loans
Estimated Month Repayments
$622 Inclusive of fees
Interest Rate
7.50%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
Achieva has a wide range of loans at affordable rates. Our local team will help you apply and get the money you need for a vehicle, boat, motorcycle or RV loan.
Citi

Citi personal loans

Citi personal loans
Estimated Month Repayments
$627 Inclusive of fees
Interest Rate
7.99%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$2,000
to $30,000
Go to site
For everything from consolidating debt to preparing for life's big moments, Citi can help you achieve your goals.
Del-One

Del-One personal loans

Del-One personal loans
Estimated Month Repayments
$634 Inclusive of fees
Interest Rate
8.74%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
Get financing for a wide range of needs from a loan that's truly personal. We're your neighbors and want to see you living life to the fullest. A personal loan helps you fund summer fun, gets your dream project off the ground, or gives you something to fall back on when emergencies occur.
Popular

Popular personal loans (Without Collateral)

Popular personal loans (Without Collateral)
Estimated Month Repayments
$636 Inclusive of fees
Interest Rate
8.99%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$2,000
to $75,000
Go to site
We help you find the personal loan that better suits your financial needs. We want to help you understand your options and make the best decision.
Avant

Avant personal loans

Avant personal loans
Estimated Month Repayments
$645 Inclusive of fees
Interest Rate
9.95%
APR
Repayment Period
24 months
to 60 months
Loan Amounts
$2,000
to $35,000
Go to site
Too many payments at different rates and schedules?that's bad for the mind and spirit. Avant can help you consolidate them into one single monthly payment.
iTHINK

iTHINK personal loans (Unsecured)

iTHINK personal loans (Unsecured)
Estimated Month Repayments
$647 Inclusive of fees
Interest Rate
10.15%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$300
to $25,000
Go to site
Your Credit Union will help you with the financing of an unexpected expense, debt consolidation, or anything you want or need.
Arvest Bank

Arvest Bank personal loans

Arvest Bank personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
Arvest offers several specific loans and credit options, but if you don't think that's what you're looking for, we also offer a few miscellaneous financing tools for more general purposes. If you're not sure if any of the loans or credit options are right for you, answer a few simple questions and we can help you decide what you need.
Chase

Chase personal loans

Chase personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$500
to $20,000
Go to site
Take advantage of available credit on your Chase credit card to get a flexible, lower-APR loan, with funds deposited directly into your bank account.
First Citizens Federal Credit Union

First Citizens Federal Credit Union personal loans

First Citizens Federal Credit Union personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
6 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
To positively and meaningfully impact our customers by providing financial products and services that are easy to obtain and convenient to use, while at the same time creating and maintaining a positive presence in communities that we serve.
FirstBank

FirstBank personal loans

FirstBank personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
1000
to $20,000
Go to site
A mortgage for your new home, a credit card for the everyday items, and a home equity line of credit for the unknown. FirstBank has you covered so you can take on life.
FNB

FNB personal loans

FNB personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
2500
to $25,000
Go to site
Flexible terms. Affordable rates. Just two ways we can help you make that special purchase or help you cover unanticipated expenses.
PNC

PNC personal loans

PNC personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
A Personal Loan or Line of Credit[1] will provide you access to the money you need to consolidate debt, make home improvements, pay for unexpected expenses and more
South State Bank

South State Bank personal loans

South State Bank personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$3,000
to $50,000
Go to site
A personal loan from SouthState offers quick approval for a big purchase, debt consolidation or unexpected expenses.
TD Bank

TD Bank personal loans

TD Bank personal loans
Estimated Month Repayments
$11,650 Inclusive of fees
Interest Rate
699.00%
APR
Repayment Period
36 months
to 60 months
Loan Amounts
$2,000
to $50,000
Go to site
Get the money you need to do the things you want. From vacation to renovation to debt consolidation - we have solutions to help you access many of life's opportunities.

SeeLoans.com provides factual information about financial products. While SeeLoans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on SeeLoans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with SeeLoans.com. SeeLoans.com recommends reading the relevant product disclosure statement or product guide before taking up any financial product offer. Please view SeeLoans.com's Terms of Use for more information.

Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Capital One personal loan

Eligibility criteria

To pre-qualify for auto financing, you should:

  • Be at least 18 years old
  • Have a minimum monthly income of $1,500 or $1,800 based on your credit
  • Have a valid street address within the contiguous United States or an APO/FPO address

Besides meeting the basic requirements, it also helps to maintain a high credit score. This will show Capital One that you can manage your credit responsibly. So, you may qualify for more lending opportunities.

What you’ll need to have ready

Personal details

When you apply for personal financing with Bank of America, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You can apply for the loan directly on BoA’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

Remember though that the information and documents you need to provide may vary based on the type of financing you’re applying for. Nonetheless, being prepared can help you go through the process easier and make your application faster.

Ways to apply for a Capital One personal loann

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • 844-892-6002 for auto loans and 800-732-9194 for credit cards

Additional BoA personal loan details

  • Automatic payment: Available.
  • Rate discounts: Up to 0.50% APR discount on auto loan rates through the Preferred Rewards program. Up to 3% cash back based on the type of credit card.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay:Online banking, over the phone, in a branch, and by mail.

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible repayment terms.
  • Quick response.
  • No application fees, annual fees, and prepayment penalties.
  • Convenient online application.
  • 0% intro APR for certain credit cards.
  • Co-applicants are allowed for auto loans.
  • Auto loan rate discounts through the Preferred Rewards program.
  • Cash back and online cash rewards for credit cards.
  • Available in 50 states.

Cons

  • Lack of specific personal loans.
  • $7,500 minimum auto loan amount.
  • Undisclosed late fees.

FREQUENTLY ASKED QUESTIONS

Does Capital One offer personal loans?

No. Capital One doesn’t currently offer personal loans. But the bank has a range of credit card and auto financing options you can choose from.

Can I borrow cash from my Capital One credit card?

You can make cash advances. Remember though that they carry transaction fees and higher APRs compared to credit card purchases.

How much interest does Capital One charge on loans?

Interest rates are as low as 18.99% APR depending on the credit card you apply for.

Can I repay my Capital One personal loan early?

Capital One auto loans don’t come with prepayment penalties when you pay your loan sooner.

How can I contact Capital One about my loan?

For credit card inquiries, you can call 1-800-227-4825. If you’re applying for a new or used auto loan, you can call 1-800-689-1789. But you can contact 1-800-946-0332 if you’re an existing car loan customer.

Can I apply for a Capital One personal loan online?

Yes. You can conveniently submit your car loan and credit card application online.

Will applying for a personal loan with Capital One affect my credit score?

When you check the rates you qualify for, your credit score won’t be affected. But when you accept a loan offer, Capital One will conduct a hard credit check, which will appear on your credit report. This will then affect your credit score for a short period. To build good credit, make sure you don’t miss your monthly payments.

Video: Shop online more easily with virtual cards | Capital One

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

.

Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

© 2024 Seeloans.com