Welcome to the forums. The previous poster is correct in that Capital One will not refinance their own auto loan. But to really help you out we are going to need at least a little information. The first and most important part would be what have you done to clean up the credit problems that resulted in a high interest loan to begin with? If your credit profile is still in bad shape you may be wasting time and effort to try and secure a better refinancing option. If your credit and score has improved then there may be doors open for you.
The second concern would be with the financed vehicle itself. You need to know what the vehicle value is in comparison to what you still owe on your loan. The problem with a high interest loan is that you can be "upside down" for a long time due to the amount of loan payment going to interest. In other words you owe more than the car is worth. In those cases you need to be prepared to bring some cash out to lower the loan amount under the value of the vehicle.
And a further concern is the age and mileage of the vehicle. Most financial institutions will not put a loan or a refinance on a vehicle past a certain model year and mileage. About 7 years and 70,000 miles is an average although some are more strict and some are more lenient. If your vehicle is outside of that you are going to present additional problems with a refinance.
