National Capital’s Mission

National Capital’s programs are designed to serve customers who have limited access to automobile financing through traditional lending sources. Many of our customers have experienced prior credit difficulties or have limited credit histories and generally have FICO® scores ranging from 525 to 675. National Capital’s philosophy on lending is to offer a product targeted to working-class consumers, seeking to finance their primary means of transportation.

Everyone is

National Capital is a subprime bank that works that on helping low income individuals get into vehicles

Working with
Local Dealers

National Capital works with many local dealers to help you get into vehicles as soon as possible

Putting You In Your
New Car

National Capital works with local dealers very fast to get your car funded and into your car the same day


Fast and Easy Refinancing

Refinancing your car loan is fast and easy — and can put more money in yourpocket. You may be able to reduce your monthly payment and boost your total savings on interest over the life of the loan. You generally need a history of six months of on-time payments to make refinancing worthwhile and possible.

Dealer Accomondations

National Capital invests much of resources in order to acconmodate your dealer. We devote a lot of time to communicate with dealers through firsthand experience so your experience can be swift and easy.


This is should be a prospective customer’s number one call to action, e.g., requesting a quote or perusing your product catalog.