Grand Prize (1 per Monthly Drawing, 4 total): Each Grand Prize winner will have his/her full outstanding auto loan (maximum $40,000) paid by the Sponsor. If a Grand Prize winner does not have an auto loan at the time of Entry, he/she will receive a check in the amount of $40,000. ARV of each Grand Prize is up to $40,000. Total ARV of all Grand Prizes is up to $160,000.

First Prizes (50 per Monthly Drawing, 200 total): Each First Prize winner with a Capital One Auto Finance loan will have his/her next monthly auto loan payment paid by the Sponsor (maximum $600 total value). If a First Prize winner has an auto loan with a lender other than Capital One Auto Finance, he/she will receive a check in the amount of his/her regular monthly payment (maximum $600 total value). If a First Prize winner does not have an auto loan, he/she will receive a check in the amount of $600. ARV of each First Prize is up to $600. Total ARV of all First Prizes is up to $120,000.

Total ARV of all Grand Prizes and First Prizes is up to $280,000.

Offered only to legal residents of the fifty United States and the District of Columbia who are at least eighteen years of age at the time of entry. In order to be awarded a prize, an individual who is a Capital
One Auto Finance customer must have his/her account current.

Regardless of the method of entry, limit one Entry per account or
household if Entrant does not have an account relationship with Capital One Auto Finance during each Monthly Drawing.

Free Mail-In Entry Method (for all eligible entrants): An eligible entrant may hand-write his/her complete name (no initials), valid e-mail address, street address, city, state, ZIP code, telephone number, date of birth, current auto loan balance (if applicable), current auto loan monthly payment amount (if applicable), (if Entrant does not have an auto loan at the time of entry, he/she should write “no auto loan”) and entry month and mail it on a 3.5 inch by 5 inch post card with sufficient postage to: Capital One The Big Payoff Sweepstakes, PO Box 259391, Plano, TX 75025-9391. All Mail-In Entries must be postmarked no later than the End Date of the applicable Monthly Drawing, and received on or before the Mail-in Entry Received by Deadline indicated in the chart in Section 1, in order to be eligible. Mail-In Entries must be legibly hand-written in blue or black ink.