Capital One does not offer Personal Loans, but they do offer other useful services we’ll highlight below. But if you need the Flexibility of a Personal Loan you should definitely check out the Check City Personal Loan!
Does Capital One offer personal loans? No, Capital One does not currently offer personal loans.
It is actually not uncommon for banks to not offer personal loans, like Capital One. Instead Capital One offers other financial products that are worth looking into. They have bank accounts, credit cards, auto loans, and even financial services for your business. But Capital one does not have a personal loan option. There’s no need to worry though, because we’ll highlight where else you can find a personal loan later on in this article.
Capital One Credit Cards: A Quick Look
|Travel and cash rewards||Lower credit scores receive the higher rates|
|Offer cards for businesses||13.74% to 26.99% APR range|
|Offer cards specifically for students||Some cards have an eventual annual fee of $95|
Capital One Auto Loans: A Quick Look
|You can finance or refinance a car||There is a minimum monthly income required from $1,500 to $1,800|
|You can get prequalified||You can’t already have any overdrafts or late payments with Capital One|
|Loan terms are from 24 to 84 months||Minimum loan amount is $4,000|
Basically, Capital One is a great option for traditional banking services. You can use them to have a checking or savings account, get a credit card, or finance your auto loans. They’re also an option for financing your business. But if you need a small loan that you’re free to use for your own personal reasons then you’ll need to keep looking for your perfect loan.
Who are Capital One Loans and Credit Cards Perfect For?
Capital One is a perfect choice for more traditional financial services like credit cards and auto loans. Capital One offers a variety of credit card options that work great for students, business owners, and travelers. Likewise, their auto loans are a worthwhile option if you’re looking to purchase or refinance a car. So if you need a large auto loan or some solid credit card options, and you meet the requirements below, then Capital One bank might be the right choice for you.
- If you need a large auto loan
- If you have a lot of travel expenses for tickets, hotels, and dining
- If you’re a student or business owner
- If you already have a Capital One account
Who Should NOT Get a Capital One Loan or Credit Card?
If the items mentioned above don’t apply to you, or you just need a fast, small loan for a personal reason, then don’t give up on looking! The perfect loan option for you is out there. If you’re looking for any one of the items listed below then you might want to consider a personal loan provider.
- If you need a small loan
- If you want to be done paying back the loan in as little as 6 months
- If you don’t already have a Capital One account
- If you need funds fast
- If your credit score can’t afford the hit from a traditional credit check
- If you need the loan for any number of personal reasons
An Alternative to Capital One Personal Loans
Check City offers a different kind of personal loan from other loan providers. So if Capital One’s more traditional financial services don’t suit your particular needs then look into a Check City personal loan. It might be exactly what you’re looking for.
Reasons to Get a Check City Personal Loan:
- The straightforward service of a direct lender
- The safety of a state licensed lender
- A fast and easy application process
- You don’t need a high credit score to apply
- There are no origination fees
- You don’t have to wait, you can get your loan TODAY
- You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan
Applying for a Check City Personal Loans is a fast and easy process. All you have to do is visit the Check City Personal Loan Page. From there you can quickly fill out the application on the side of that page. You can also find a nearby Check City store to apply or give us a call to apply over the phone if either of those options works better for you.
What You’ll Need to Apply:
- A government ID
- Proof of bank account
- Proof of direct deposit
- Proof of income
- A valid phone number
Or call Check City’s Loans By Phone number: 800-404-0254
The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in the store and get your personal loan funds the SAME DAY! Our personal loans work well for anyone who needs a fast, small loan that you can finish paying off in just 6 months rather than years. Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t pull a traditional credit report when processing a loan application. If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.
LOAN COMPARISON CHART
|Check City Personal Loans||Discover Personal Loans||Wells Fargo Personal Loans||Chase Auto Loans||Bank of America Auto Loans||Capital One Auto Loans|
|Amount||$300 to $3,000||$2,500 to $35,000||$3,000 to $100,000||$4,000 to $600,000||min. $7,500||min. $4,000|
|Rates||lower APR than our payday loans||6.99% to 24.99% APR||5.49% to 22.99% APR||depends||min. 2.99% to 5.99%||depends|
|Fees||no origination fees||no origination fees, no closing costs||no origination fees, no prepayment penalties||depends||no application fee||depends|
|Terms||6 months||36 to 84 months (3 to 7 years)||12 to 84 months (1 to 7 years)||12 to 84 months||60 months depending||24 to 84 months|
|Min. Credit Score||Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan||660||600||high credit score||subject to credit approval||subject to credit approval|
When you think of loans you often think about the requirements you need to meet in order for your application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!
Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”
Budget like a boss by reading, “Budgeting in 4 Easy Steps.”
*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.