Welcome our FAQ page, where we provide detailed answers to common questions about our innovative automotive financing solutions. Whether you're a consumer navigating credit challenges, a dealership interested in partnering with us, or just curious about our services and programs, this section is designed to help. Dive into topics ranging from our unique approach to financing, the DEALS and LEADS programs, data security, and more. Our goal is to ensure transparency, ease, and understanding of Car Capital's efforts to transform the auto financing industry for dealers and consumers alike.

About Car Capital

Who is Car Capital?

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.  

How does Car Capital enhance the automotive buying experience?

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.  

What makes Car Capital different?

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.  

How does Car Capital decide which dealerships to partner with?

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.

Is Car Capital affiliated with any car manufacturers?

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.

How does Car Capital contribute to the community?

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.

Data Privacy and Security

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

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 Privacy Policy for more information.

How does Car Capital use my data?

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 Privacy Policy.

Where are dealerships located that participate in the LEADS Program?

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!

How does Car Capital help consumers who have credit challenges?

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.

What is the LEADS Program at Car Capital?

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).

How can the LEADS Program help me as a customer?

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

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.

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

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.

What happens after I submit my pre-qualification?

After you submit your pre-qualification on our website, 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.

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

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.

Financing and Loans

What happens if I have difficulty making my loan repayments?

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 Westlake Financial, our consumer loan servicer, as soon as possible. They will be able to guide you on the options available and help navigate the situation.

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

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.

What factors affect my eligibility for financing?

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

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.

Can I refinance my car loan through 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.

Dealership and Vehicle Information

What kind of vehicles do your dealerships have?

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

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.

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

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.

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

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.

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

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.

Vehicle Purchase Process

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

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.

How long does the financing process take with 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 can I find a Car Capital dealer near me?

You can start by completing the pre-qualification form on our website. Based on your location, we will match you with a dealership within our network that's conveniently located near you.  

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

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.

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

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

Contacting Car Capital

How can I contact Car Capital?

You can contact us 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

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

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.

Does Car Capital have a mobile app?

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

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

We value your feedback! Please visit our contact page and share your experience. Your insights help us improve our service and offerings.