Apply in person for an auto loan.

Make the car you want yours—with an auto loan on your terms.

Whether it’s your first car, your next car, or you’re looking to refinance and lower your monthly payments, we have a solution for you.

Apply in person to find the right loan

Or apply by phone if you have a Truist account. Call 844-487-8478.

  • $3,500 minimum borrowing amount.Disclosure 1
  • Up to 84-monthDisclosure 2 Terms available
  • Rates range from 4.95% to 18.00% APRDisclosure 3 Excellent credit required for lowest rate

We'll make shopping for an auto loan the easy part.

Easy application

A Truist loan specialist will guide you through our application and answer any questions you may have.

Quick decisions

Approvals take just 10 minutesDisclosure 4 — sometimes even faster. And you may have your funding the same day.

30-day interest rate lock guaranteeDisclosure 5

If your auto loan application is approved, your interest rate is locked in for 30 days—giving you plenty of time to purchase or refinance. 

Flexible refinancing

With competitive rates and terms up to 84 monthsDisclosure 2, you can take advantage of lower interest rates and decrease your monthly car payment.

Calculate your payments

How much will my vehicle payments be?

This calculator is made available by one or more third party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Apply in person

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Secured vs. unsecured loans

There are some key differences between a secured loan and an unsecured loan. We explore the pros and cons of each, so you can decide what’s best for you.

Learn more about secured and unsecured loans.

You may also be interested in these options.

Recreational vehicle loans

Whether you’re on the water or the open road, adventure is calling. We offer financing to answer it. 

  • Recreational vehicle financing available.
  • Purchase from dealers or private sellers.
  • Refinancing options available.

Apply in person for a recreational vehicle loan. Get details about RV loans.

Just a moment : loading interest rates
LightStream unsecured loan

Embrace opportunities with a low-interest fixed-rate loan and no fees. You can borrow between $5,000 and $100,000 with fast, flexible funding.Disclosure 6

  • Improve your home, consolidate debt, or manage big expenses.
  • Rates from {{lsiMinRate}}% to {{lsiMaxRate}}% APR with AutoPayDisclosure 7
  • No fees … for anything

Apply now for a LightStream unsecured loan. Get details on a LightStream unsecured loan.

Truist offers an additional unsecured loan option, which may include different underwriting guidelines, product terms, fees, and pricing. You can learn more by visiting a local branch or by phone. Call us at 844-4TRUIST (844-487-8478) Monday through Friday, 8 am to 8 pm, or Saturday, 8 am to 5 pm ET.

Frequently asked questions about auto loans

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You are not required to get preapproved before you find your vehicle. Call us at 844-487-8478 (844-4TRUIST) or visit a branch and our teammates can help you with the steps to buying a car.

There are no penalties for paying off your loan early. There are many factors you’ll need to consider in order to decide if paying off your car loan early is the right move. This article goes into more detail on paying off debt vs. investing.

Yes, refinancing your auto loan when interest rates drop can help you secure a lower rate and reduce your monthly payments. If you have an existing Truist auto loan, you’ll need to make 6 contractual payments before you can refinance. Keep in mind that the vehicle title must be in your name, and you’ll need a copy of your current registration before you can refinance your existing loan. A Truist teammate can help you explore the best option for your situation.

Depending on your credit history, you may want to consider a cosigner. After completing your application, a Truist teammate will help you understand if a cosigner will be needed.

You will need income and employment information, driver’s license, and verification of personal info you’ve provided (such as your address). To refinance, you’ll need a copy of your current registration. For purchases, provide a copy of the bill of sale or buyer's order. 

Payments can be accepted by mail, phone, through your online or mobile banking, or in a branch.

To pay by mail:
Truist Item Processing Center

P.O. Box 580057

Charlotte, NC 28258-0057

To pay by phone:

Call 844-4TRUIST (844-487-8478)

To pay online:

  1. Sign in to online banking
  2. Select your auto loan from the Dashboard
  3. Select the Make payment button and follow the prompts

To pay off your loan:

  1. Sign in to online banking
  2. Select your auto loan from the Dashboard
  3. Select Account details in the top right corner to view your loan balance (payoff amount) as of today
  4. Select the Make payment button and follow the prompts

Details can be found in your monthly statement, through your online or mobile banking, by calling 844-4TRUIST (844-487-8478), or by visiting a branch.

It may be possible to refinance an auto loan if you owe more than your car’s value (also known as being “underwater” or having negative equity), but approval depends on several factors. Most lenders, including Truist, have limits on how much negative equity they’re willing to refinance. You may need to make a down payment to cover the difference or roll the extra amount into the new loan, which could result in higher payments. A Truist teammate can review your refinancing options and help you determine the best path forward.

Looking for something else?

Home mortgage

A new home—or a new mortgage—might look good on you. Check out our online tools to make your next move easier from start to finish.

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Need more help?

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Just a moment : loading interest rates

Disclosure 1 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 2 For comparison purposes, a consumer who finances a new car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 5.73% would remit 84 payments of $362.00.

Disclosure 3 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 4.95% to 18.00% APR. Excellent credit is required to qualify for lowest rates. Less than a majority of applicants qualified for lowest rate. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist underwriting guidelines including qualifying loans with certain debt to income, FICO® scores and other underwriting credit criteria.

Disclosure 4 Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process.

Disclosure 5 Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosure 6 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 7 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 26% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 04/01/2025 to 06/30/2025. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}% with AutoPay discount. Loan terms range from 24 - 240 months depending on the loan type.

Disclosure 1 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 2 For comparison purposes, a consumer who finances a new car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 5.73% would remit 84 payments of $362.00.

Disclosure 3 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 4.95% to 18.00% APR. Excellent credit is required to qualify for lowest rates. Less than a majority of applicants qualified for lowest rate. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist underwriting guidelines including qualifying loans with certain debt to income, FICO® scores and other underwriting credit criteria.

Disclosure 4 Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process.

Disclosure 5 Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosure 6 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 7 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 26% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 04/01/2025 to 06/30/2025. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}% with AutoPay discount. Loan terms range from 24 - 240 months depending on the loan type.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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