Are you considering applying for Capital One personal loans? If so, there are a few things that you need to know before you fill out an application or submit it for approval. The first thing is that Capital One Personal Loans does not approve loan applications solely based on credit scores. It is important that you have good credit to be approved. Therefore, you should spend some time improving your credit score as this will improve your chances of getting approved. Capital One is not the only lender that offers loans with poor credit.