<a href="/makeapayment">Log into Your Account</a> to set up your account.

<a href="/makeapayment">Log into Your Account</a> to update your payment method. Call us at <a href="tel:8778545688" target="_blank">877-854-5688</a> to update your account information!

Call us at <a href="tel:8778545688">877-854-5688</a> or <a href="/contact" class="underline text-primary-500">fill out our contact form</a>. Our hours are Monday to Friday from 7 a.m. to 7 p.m. Central Time and Saturday 8 a.m. to noon Central Time.

What is your customer service contact information?

<a href="/makeapayment" class="underline text-primary-500">Log into Your Account</a> to view your statements.

If you’re having financial difficulties and cannot make your payment on time, please contact customer service at <a href="tel:8778545688" class="text-primary-500 underline">(877) 854-5688</a>. Visit <a href="/makeapayment" class="cursor-pointer text-primary-500 underline">Make a Payment</a> to learn about your payment options.

Visit <a href="/makeapayment" class="underline text-primary-500">Make a Payment</a> to learn about your payment options or contact customer service at <a href="tel:8778545688" class="text-primary-500 underline">(877) 854-5688</a>.

Some payment options may carry a third party fee depending on your payment method – Car Capital does not charge you fees to make a payment. Visit <a href="/makeapayment" class="cursor-pointer text-primary-500 underline">Make a Payment</a> for more information.

Do you charge fees for different payment options?

Someone can make a one-time payment on your behalf by visiting <a href="/makeapayment">Make a Payment</a> (third party fees may apply depending on your payment method – Car Capital does not charge you fees to make a payment).

<a href="/makeapayment">Log into Your Account</a> to set up recurring payments.

You’ll receive a payment confirmation via text or email, depending on the option you choose in your Car Capital account. You can also <a href="/makeapayment">Log into Your Account</a> to view your payment confirmation.

Where can I view my payment confirmation?

<a href="/makeapayment">Log into Your Account</a> to view your payment history.

Call us at <a href="tel:8778545688">(877) 854-5688</a> to see if you qualify for a due date change.

Car Capital assesses late fees based on the terms of the retail installment contract signed by you and the dealership where you purchased your vehicle. Please review the terms of your contract to determine when a late fee will be charged.

Is there a grace period after the payment due date?

Call us at <a href="tel:8778545688">(877) 854-5688</a> to request a payoff amount.

Call us at <a href="tel:8778545688">(877) 854-5688</a> for your payoff details. Submit your payoff payment within the appropriate time period either electronically using a one-time payment method or by mailing payment to us.

In general, you can pay cash, receive a direct loan from a lender, or most likely, you will be offered a loan (an indirect loan) at the dealership. With an indirect loan, once you agree on the final price of your car and down payment, the dealer will offer you a loan (a retail installment contract) with specific payment terms: monthly payment amount, number of monthly payments, and annual percentage rate (APR). The indirect loan is an agreement between a customer and dealer, who owns the loan. The dealer will assign the customer loan to Car Capital to service and in return we will provide the dealer with an upfront cash payment. Car Capital will then service and collect payments on the customer loan for the dealer. After you make all of your monthly loan payments (for example, 60 monthly payments) you will get the title to your car! Visit the <a href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-and-keep-a-good-credit-score-en-318/" target="_blank">Consumer Financial Protection Bureau</a> website for free information about car financing.

Apply for an auto loan by visiting a Car Capital dealer partner and completing an application in person. To get started, visit <a href="/findadealer">Find a Dealer</a>.

We currently operate in Florida, Georgia, Illinois, Indiana, Kansas, Michigan, Missouri, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. We will be available in Alabama, Arizona, Arkansas, Colorado, Idaho, Kentucky, Louisiana, Minnesota, Mississippi, Nevada, New Mexico, Pennsylvania, Utah, and Wisconsin soon, with additional states joining in the near future. Stay tuned!

Visit <a href="/findadealer">Find a Dealer</a> and enter your city or state to find your nearest Car Capital dealer partner.

How can I find a Car Capital dealer partner?

Car Capital provides our dealer partners with the tools to approve all auto loan applications regardless of credit history.

Can I still get an auto loan if my credit is not the best or I have limited credit history?

We report your payment history to all three credit bureaus (Experian, TransUnion, and Equifax). Visit the <a href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-and-keep-a-good-credit-score-en-318/" target="_blank">Consumer Financial Protection Bureau</a> website for information about how to manage your credit score.

Does Car Capital report my payment history to credit bureaus?

When you are at the dealership you may be offered various optional products such as a vehicle service contract (VSC) or guaranteed asset protection (GAP). These optional products are offered by the dealer, not Car Capital.

What optional products can a dealer partner offer me?

VSC: A vehicle service contract is an optional product sold by the dealer to protect you against unexpected out-of-pocket car repairs. Each VSC is unique and the repairs that are covered will be included in the VSC contract. If you decide to purchase a VSC product through the dealer the contract will be included with your loan documents when you leave the dealer.
GAP: GAP is optional coverage that helps pay off your auto loan if your car is totaled or stolen. Each GAP contract is unique and the terms will be covered in the GAP contract. If you decide to purchase GAP through the dealer the contract will be included with your loan documents when you leave the dealer.

How do vehicle service contracts (VSC) and guaranteed asset protection (GAP) work?

If you’re a service member and believe that you are eligible for relief under the SCRA, please contact customer service at <a href="tel:8778545688">877-854-5688</a>.

How do I request benefits under the Servicemembers Civil Relief Act (SCRA)?

Car Capital is an innovative commercial finance company, reimagining the auto financing landscape. We specialize in extending credit to car dealerships, allowing them to offer wider financing options to consumers, particularly those faced with credit challenges.  

Through our commercial lending program, we provide financial support to dealerships, indirectly opening up more doors for consumer. Our DEALS platform (Dealer Electronic Auto Loan System) simplifies the financing process, making the car purchase journey easier and quicker for both dealers and consumers.  

How does Car Capital enhance the automotive buying experience?

At Car Capital, we break down barriers in auto financing and extend support to our dealers to allow them to offer financing to consumers who face credit challenge. We work directly with dealerships, providing them the financial flexibility to help people purchase vehicles when other, more conventional avenues don’t exist.  

We're dedicated to offering the best possible service to consumers, so we are discerning when it comes to dealer partnership. We not only consider the dealer's reputation, history, and the diversity of vehicle offerings but also their commitment to providing excellent customer service and aligning with our ethical standards.

How does Car Capital decide which dealerships to partner with?

While Car Capital itself is not affiliated with any specific car manufacturers, our dealership partners sell a variety of cars from numerous manufacturer. This broad network means we can help facilitate access to a wide range of vehicles.

Is Car Capital affiliated with any car manufacturers?

Car Capital is committed to making a positive impact in the communities we serve. We engage in various community service and charitable activities throughout the year. Check our website or social media channels for updates on our community involvement.

How does Car Capital contribute to the community?

As a company, we place great importance on the privacy and security of our customers' information. We use robust security measures to ensure confidentiality of data shared with us and with our dealership partners. Please see our <a href="/privacy-terms" class="cursor-pointer text-primary-500 underline">Privacy Policy</a> for more information.

How is the security of my information ensured at Car Capital?

At Car Capital, protecting your data is a top priority. We use the information shared with us to match you to a dealership within your vicinity that is part of our LEADS Program. We operate under strict compliance with all data protection regulations. For more information, please see our <a href="/privacy-terms" class="cursor-pointer text-primary-500 underline">Privacy Policy</a>.

Currently, we have dealer partners in Indiana and Georgia. We are constantly expanding our dealer network to provide you with more options. Please check back for updates!

Where are dealerships located that participate in the LEADS Program?

Car Capital’s mission is to empower individuals, including those with credit hurdles, by empowering our dealer. By providing flexible finance options to our partner dealerships, we provide consumers with the opportunity to own a vehicle regardless of their credit history.

How does Car Capital help consumers who have credit challenges?

The LEADS Program is our unique initiative to connect potential car buyers to our dealership partner. If you’re looking to finance a car, our LEADS Program points you to one of our dealership partners (based on your preferences and location).

What is the LEADS Program at Car Capital?

By participating in our LEADS Program, we streamline your search for a used car dealer that specializes in assisting customers with credit challenges. When you fill out our pre-qualification forms, we pair you to a dealer partner within your area. You simply schedule an appointment with the dealer partner to pick a car and finalize the terms of sale. Having your pre-qualification information in our DEALS system simplifies your car buying journey by making it quick, efficient, and hassle-free.

How can the LEADS Program help me as a customer?

Our LEADS Program is designed with consumers in mind, particularly those who seek automotive financing. If you're someone who's looking for flexible automotive finance options and stressed about finding a dealer, the LEADS Program is here to assist you.

How do I know if I can benefit from the LEADS Program?

No, opting into our LEADS Program does not obligate you to make a purchase. Our goal is to assist you in locating a car dealership that can cater to your automotive financing needs. The final purchase decision is entirely up to you.

Does participation in the LEADS Program obligate me to make a purchase?

After you submit your <a href="/get-prequalified" class="cursor-pointer text-primary-500 underline">pre-qualification on our website</a>, our LEADS Program matches you with a dealership based on participating dealers in and around your residential ZIP code area. You will then be contacted by the dealership to discuss your pre-qualification and potential financing options.

What happens after I submit my pre-qualification?

For now, the LEADS Program matches you to a single dealership based on geographical vicinity. This is to ensure efficient user experience and personalized service.

Can I be connected to more than one dealership through the LEADS Program?

We understand that life can be unpredictable and financial circumstances can change. If you're experiencing challenges in making your loan repayments, we urge you to reach out to <a href="/makeapayment" class="cursor-pointer text-primary-500 underline">Westlake Financial</a>, our consumer loan servicer, as soon as possible. They will be able to guide you on the options available and help navigate the situation.

What happens if I have difficulty making my loan repayments?

While Car Capital itself does not offer direct consumer financing, our dealer partners have access to a variety of lending solution. We suggest completing the pre-qualification form on our website to start the process. This will help the dealership identify the best financing options for you.

Can I get pre-approved for a car loan through Car Capital?

Several factors can influence your financing eligibility including your credit history, income stability, employment history, and down payment amount. Our dealership partners evaluate these factors to provide you with the most suitable financing options.

What factors affect my eligibility for financing?

Interest rates can vary based on the lender, your credit history, the type of vehicle, and the length of the loan term. Our dealership partners work with a variety of lenders to offer competitive rates.

What is the interest rate on a car loan from a Car Capital dealer?

While refinancing options may be available, it’s best to discuss your specific needs directly with the dealership. They can provide guidance on the options available to you.

Can I refinance my car loan through a Car Capital dealer?

We provide financing options for a wide variety of vehicles available from our partner dealership. Each dealership offers unique choices, catering to different consumer needs and preferences. Please check with your local Car Capital dealer partner for available inventory.

What kind of vehicles do your dealerships have?

Using the dealer partner designated in the LEADS Program means you'll experience a smooth and transparent process when buying your car because our dealer partners use our DEALS system, which streamlines the car buying and financing process, making it quicker and more convenient for you.

What is the benefit of dealing with a dealership partnered with Car Capital?

Yes, you can trade in your old vehicle when purchasing a new one. The trade-in value of your old car can be used as part of your down payment, thereby reducing the amount you need to finance.

Can I trade in my old vehicle when buying a new one from a Car Capital dealer?

Car Capital dealers accept a variety of down payment types including cash, check, ATM/debit card payment, and money order. The specific types of down payment accepted can vary by dealership, so it’s best to check with the dealer directly.

What types of down payment are accepted by Car Capital dealers?

When trading in a vehicle, the dealership will evaluate the condition, make, model, and market value of your car. This evaluation will determine the trade-in value that can be used towards the purchase of your new car. Our dealerships strive to offer fair trade-in values in line with market rates.

How does the trade-in process work in the Car Capital dealer network?

When visiting a dealership, it’s helpful to bring identification (such as a driver's license), proof of income, proof of residence, and any other documents that the dealership may require to complete the financing process.

What should I bring when I visit a Car Capital dealer?

The time frame can vary depending on several factors including the completeness of your application, the responsiveness of references, and the specific requirements of the lender. However, our DEALS system is designed to streamline the process, making it as quick and efficient as possible.

How long does the financing process take with a Car Capital dealer?

You can start by completing the <a href="/get-prequalified" class="cursor-pointer text-primary-500 underline">pre-qualification</a> form on our website. Based on your location, we will match you with a dealership within our network that's conveniently located near you.

How can I find a Car Capital dealer near me?

If you experience any issues with your vehicle after purchase, please contact the dealership where you made the purchase. They will be able to assist you with any warranty or service-related concerns.

What should I do if I encounter problems with my vehicle after purchase?

Yes, many of our dealership partners offer warranty options. Discuss your needs with the dealership to explore the warranty packages available.

Can I purchase a warranty for my vehicle through a Car Capital dealer?

You can <a href="/contact" class="cursor-pointer text-primary-500 underline">contact us</a> through our website or by calling our customer service hotline at 1-844-350-4455. Our team is here to assist you with any questions or concerns

Stay connected with us by signing up for our newsletter through our website. You can also follow us on our social media channels for the latest updates.

How can I stay updated on Car Capital's offerings?

Currently, Car Capital does not have a mobile app. However, our website is mobile-friendly, providing a seamless experience on various devices.

We value your feedback! Please visit our <a href="/contact" class="cursor-pointer text-primary-500 underline">contact</a> page and share your experience. Your insights help us improve our service and offerings.

How can I leave feedback about my experience with Car Capital?

<a href="https://ccappdev.carcapitalapps.com/" target="_blank">Log into DEALS</a> to access your account.

Call us at <a href="tel:8443504455">844-350-4455</a> or email us at <a href="mailto:funding@carcapital.com">funding@carcapital.com</a>. Our hours are Monday to Friday from 7 a.m. to 7 p.m. Central Time and Saturday 8 a.m. to noon Central Time.

What is the funding department contact information?

Car Capital Servicing, LLC PO BOX 2413 Grapevine, TX 76099

What is the lienholder name and address that I should use for the title application?

What is the lienholder name and address that I should use for the insurance company?

Call us at <a href="tel:8443504455">844-350-4455</a> for your state-specific ELT number.

Your DEALS Account & Dealer Partner Specifics

Car Capital makes it easy. Submit a customer application through our Dealer Electronic Auto Loan System (DEALS), our proprietary web-based portal, and we will give you deal structures that work for all the cars on your lot.DEALS will show you how much profit you will make up front under various structures and how much more profit you will make as the contract is collected over time. You do not need to figure out what car on the lot makes money and is affordable for which customer; our technology does all the work and you make the decision to approve a customer. Once you and your customer have found the right vehicle, you submit the contract application electronically through DEALS along with any stipulations. You can follow your contract funding progress through DEALS and when it is ready to fund, we will send you an initial advance electronically. Going forward 80% of the customer monthly payment is used to repay the initial advance and pay your back-end profit.There is no minimum portfolio size to begin receiving back-end profit; the timing is dependent on how your portfolio performs. There is no recourse or buybacks for credit losses except for first payment defaults – if a loan comes up short, we use some of the additional profit from all the good loans to offset the credit loss. Car Capital charges a nominal upfront boarding fee and zero monthly program fees. We are looking for dealers that set up customers to succeed and in return you can receive 80% of the upside.

Car Capital is your partner, not a traditional lender, and will help you do what you do best, sell cars. We provide technology and capital, and service all stages of your customer’s account for you. You have the opportunity to sell more cars with the confidence that you have the ability to provide 100% automated approvals. We give you the power to structure each loan in DEALS to determine how much upfront profit you receive and how much back-end profit you will get over time. If your customer does a great job paying their loan you can make even more back-end profit than initially indicated.
Franchise and independent dealers can increase your profit per sale versus traditional indirect auto finance. Dealers that currently self-finance, self-service, and self-collect, can significantly reduce operational burden and risk, and make more money.

Why should I become a Car Capital dealer partner?

DEALS is our proprietary web-based portal that allows dealer partners the opportunity to instantly approve 100% of consumers, regardless of credit history, for a car in their inventory. DEALS gives you, our dealer partner, the ability to make your own credit decisions for every car on your lot and decide how much profit, both front-end and back-end, you can make per car in your inventory. DEALS allows for instant messaging between you and Car Capital to clear any stipulations and quickly fund a contract. You do not need to wait around for a lender to approve an application. You can be confident that we will provide you with an advance that meets your needs as well as your customer’s.

What is the Car Capital Dealer Electronic Auto Loan System (DEALS)?

We will train your staff on how our program works, how to use DEALS, and how to maximize the benefits of our program when you sign up to become a Car Capital dealer partner. In addition, our sales representatives will provide ongoing training as needed. 

Do you offer training on how to use your Dealers Electronic Auto Loan System (DEALS)?

All consumer contracts are submitted for funding electronically through DEALS.

Yes, Car Capital directly accesses your DMS so you can see approvals on every car for every customer.

Does Car Capital integrate directly to my DMS?

Car Capital, through our Dealer Electronic Auto Loan System (DEALS), utilizes 100% electronic contracting that allows for fast funding.

Our goal is to electronically fund contracts as quickly as daily, with a typical turn-around time of 2 days on average.

How quickly can I receive payment after submitting a contract?

A loan cannot be modified after the consumer has signed. If modifications are required, a new contract must be submitted.

Can I modify a loan after submitting a contract?

<a href="/contact">Contact us</a> and a Car Capital sales representative will contact you or call <a href="tel:8443504455">844-350-4455</a>.

How can I learn more about becoming a dealer partner?