There are several reasons on why a finance company will not finance someone. the main reason is a repossession after a bankruptcy. Another main reason is the "lender" sees that you are about to file...
Capital one auto provides auto loans that can be used towards the purchase of a new or used vehicle. You can go to their wbsite for a quote on a new loan or to refinance an existing loan.
Capital One Auto is insurance for your vehicle and for you, the driver. If you do not drive or don't have a car, then Capital one Auto is not for you. I cannot tell you if you need to use this...