How do I talk to a human at this Capital One Auto Finance number?
A:Press 1, enter social security number, then wait. For existing loans
Q:
Does this phone number work 24/7?
A:No. Hours for this phone number are Mon-Fri 8am-9pm EST.The least busy day is Sunday, and the most busy day is Friday.See below for more and to learn where this data comes from.
Q:
How long will I have to wait to speak to Capital One Auto Finance Auto Loans?
A:The average hold time is 2 minutes.The longest hold times are on Tuesday, and the shortest are on Thursday.
This is the #2 most popular Capital One Auto Finance phone number out of 4. Click above to go back to the main customer service number and other contact information, including Capital One Auto Finance email addresses, twitter handles, and live chat options.
More Capital One Auto Finance Customer Phone Numbers
How do I get through the phone menu to a real live person?
GetHuman researchers routinely call this Capital One Auto Finance phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 1, enter social security number, then wait. For existing loans
Below are some clips we've found from Capital One Auto Finance's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
They may ask you to enter information with the dial pad
"Thank you for calling Capital One Auto Finance.
Please enter your thirteen digit account number. Or if you don't know it, press pound."
Excerpt from a call with Capital One Auto Finance
Monday, May 19, 2025 12:24 PM
They may ask you to say or enter information
"Thank you for calling Capital One Auto Finance.
This call will be monitored and recorded for quality assurance.
And training purposes. Our phone system has been upgraded.
You can now simply speak to our automated system to get the help you need.
To access your account, I'll need some more information. Please say or enter either your account number or your Social Security number."
Excerpt from a call with Capital One Auto Finance
Friday, June 27, 2025 7:31 PM
What are the hours and when should I call?
Capital One Auto Finance operates the call center for this 800-946-0332 phone number Mon-Fri 8am-9pm EST. The short answer is that you should call on a Wednesday.This observation and the following section are based on analysis of a sample set of 823 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Capital One Auto Finance phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Capital One Auto Finance staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Capital One Auto Finance is Sunday.The most busy day to call Capital One Auto Finance is Friday. Again, this is based on a sample of 823 calls made with our AI-powered, web-based phone in the last 90 days.
Mon
Tue
Wed
Thu
Fri
Busiest
The shortest wait on hold
We measured the shortest hold times to be on Thursday.The longest wait in the queue on average occurs on Tuesday.
The best time to call
In summation, the best day to call Capital One Auto Finance is Wednesday.
Why call this Capital One Auto Finance number?
Below is a sample of recent calls to Capital One Auto Finance, and their purpose. Are any of these similar to the reason you are trying to call?
Payment arrangement inquiry: I was calling to discuss the payment I got behind because I had financial issues.
Taken from a call on Wednesday, July 23, 2025 10:16 AM
Request for account balance: I need a balance.
Taken from a call on Friday, June 27, 2025 7:31 PM
Payment due date inquiry: I was looking on my account, and I know there's a due date, but it's about to April thirtieth.
Taken from a call on Friday, April 25, 2025 1:05 PM
Payment arrangement inquiry: I did not know that I was behind on my payments because my payments are direct deposit.
Taken from a call on Sunday, February 9, 2025 2:33 PM