Auto Refinance loans

Drive down your monthly car loan payments. Explore our flexible refinancing options.

Take advantage of lower interest rates and reduced monthly payments with an auto refinance loan. We have competitive rates, flexible terms, and quick decisions.

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Compare options for auto refinance loans.

Secured auto refinance loan

A secured auto refinance loan uses your car as collateral and may offer a lower interest rate than your current loan.

Best if:
You want a lower interest rate
Lower interest rates can decrease your monthly payment.
You prefer a more personalized process
Our loan specialists can guide you through the process.

Unsecured auto refinance loanDisclosure 1

An unsecured auto refinance loan does not require collateral and may also provide a lower rate than your current loan.

Best if:
You want more flexibility
No appraisal required, and no restrictions on your car’s age or mileage.
You prefer a digital-only loan
No forms and no appointments—it’s all online, from application to funding.

Just a moment : loading interest rates
Secured auto loan tooltip A secured auto loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral. LightStream unsecured
auto loan tooltip An unsecured loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured loan.
How to apply

Apply in person, or by phone if you have a Truist account. Call 866-474-4826.

Schedule an appointment with a Truist teammate to apply for a secured auto loan. Calculate your payments on a secured auto loan.

Apply online.

Apply now for a LightStream unsecured auto loan. Explore rates and payments on a LightStream unsecured auto loan.
Availability Available at eligible dealerships nationwide, and in branches in the following states: AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. Available nationwide
Collateral Auto None
Vehicle model year Up to 20 prior model years No restrictions
Mileage Up to 120,000 miles No restrictions
Interest rates Fixed rates from 5.00% to 18.00% APRDisclosure 2 Fixed rates from {{lsiMinRate}}% - {{lsiMaxRate}}% APR with AutoPayDisclosure 3, Disclosure 4
Loan amounts $3,500 to $400,000Disclosure 5 $5,000 to $100,000
Loan terms Up to 84 monthsDisclosure 6 Up to 84 monthsDisclosure 6
Fees No pre-payment penalties. Late payment and returned payment fees vary by state. No origination fees, no pre-payment penalties, and no late fees.
Payment options Digital, Autopay, mail, phone, in-branch Digital—Autopay or invoice
Interest rate lock 30 daysDisclosure 7 30 daysDisclosure 7
Funding As soon as todayDisclosure 8 As soon as todayDisclosure 9
How to apply

Apply in person, or by phone if you have a Truist account. Call 866-474-4826.

Schedule an appointment with a Truist teammate to apply for a secured auto loan. Calculate your payments on a secured auto loan.

Apply online.

Apply now for a LightStream unsecured auto loan. Explore rates and payments on a LightStream unsecured auto loan.
Secured auto loan tooltip A secured auto loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral. LightStream unsecured
auto loan tooltip An unsecured loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured loan.
How to apply

Apply in person, or by phone if you have a Truist account. Call 866-474-4826.

Schedule an appointment with a Truist teammate to apply for a secured auto loan. Calculate your payments on a secured auto loan.

Apply online.

Apply now for a LightStream unsecured auto loan. Explore rates and payments on a LightStream unsecured auto loan.
Availability Available at eligible dealerships nationwide, and in branches in the following states: AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. Available nationwide
Collateral Auto None
Vehicle model year Up to 20 prior model years No restrictions
Mileage Up to 120,000 miles No restrictions
Interest rates Fixed rates from 5.00% to 18.00% APRDisclosure 2 Fixed rates from {{lsiMinRate}}% - {{lsiMaxRate}}% APR with AutoPayDisclosure 3, Disclosure 4
Loan amounts $3,500 to $400,000Disclosure 5 $5,000 to $100,000
Loan terms Up to 84 monthsDisclosure 6 Up to 84 monthsDisclosure 6
Fees No pre-payment penalties. Late payment and returned payment fees vary by state. No origination fees, no pre-payment penalties, and no late fees.
Payment options Digital, Autopay, mail, phone, in-branch Digital—Autopay or invoice
Interest rate lock 30 daysDisclosure 7 30 daysDisclosure 7
Funding As soon as todayDisclosure 8 As soon as todayDisclosure 9
How to apply

Apply in person, or by phone if you have a Truist account. Call 866-474-4826.

Schedule an appointment with a Truist teammate to apply for a secured auto loan. Calculate your payments on a secured auto loan.

Apply online.

Apply now for a LightStream unsecured auto loan. Explore rates and payments on a LightStream unsecured auto loan.

Frequently asked questions about auto refinance loans

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There are several factors that help determine if you qualify for an auto refinance loan. Those include your credit profile, the age and condition of your vehicle, your loan-to-value ratio (the amount you currently owe on your car compared to its current market value), your debt-to-income ratio, and the terms of your current auto loan. Your income and employment status may also be considered.

Both our secured and unsecured auto refinance loans offer no origination fees and no pre-payment penalties. For a secured auto loan, late payment and returned payment fees vary by state. You can check your current auto loan to see if there is a pre-payment penalty.

We offer fast funding, and you may have your funds as soon as today. Disclosure 8, Disclosure 9

If you refinance with Truist, you’ll use funds from your new Truist loan to pay off the remaining balance on your existing auto loan. You’ll then make monthly payments to Truist under the terms of the new loan.

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.

You may also be interested in these options.

Used auto loans – dealership

With same-day funding available,Disclosure 8, Disclosure 9 quick decisions, and a 30-day interest lock guarantee,Disclosure 7  we make it easy to get in the driver's seat at any auto dealer.

Learn more about used auto loans for a dealership purchase.

New car loans

We have solutions to fit your budget and help you get on the road. We offer both secured and unsecured loan options.

Learn more about new auto loans.

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Just a moment : loading interest rates

Disclosure 1 LightStream auto refinance loan proceeds cannot be used to refinance an existing LightStream loan or be used for cash out refinance purposes.

Disclosure 2 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.00% 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 3 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 30.03% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2025 to 12/31/2025. 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.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}}

Disclosure 4 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from {{lsiMinRate}}% - {{lsiMaxRate}}% APR with AutoPay.

Disclosure 5 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 6 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 5.76% would remit 84 payments of $362.00.

Disclosure 7 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 8 For a secured auto loan: Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process.

Disclosure 9 For the LightStream auto loan: 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 1 LightStream auto refinance loan proceeds cannot be used to refinance an existing LightStream loan or be used for cash out refinance purposes.

Disclosure 2 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.00% 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 3 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 30.03% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2025 to 12/31/2025. 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.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}}

Disclosure 4 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from {{lsiMinRate}}% - {{lsiMaxRate}}% APR with AutoPay.

Disclosure 5 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 6 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 5.76% would remit 84 payments of $362.00.

Disclosure 7 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 8 For a secured auto loan: Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process.

Disclosure 9 For the LightStream auto loan: 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.

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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:

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