New car loans

New car excitement—unlocked. We make it easy to find your brand-new ride.

Depending on your location, we offer a secured new auto loan as well as our LightStream unsecured auto loan. We make it easy to get in the driver's seat at any auto dealer with a simple application process, quick decisions, and versatile loan options.

Enter your ZIP code to view loans available in your area.

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Compare options for new car loans.

Secured new car loan

A secured new car loan uses your car as collateral.

Best if:
You want a lower interest rate
Your car secures your loan, so interest rates tend to be lower.
You prefer a more personalized process
Our loan specialists can guide you through the process.

Unsecured new car loan

An unsecured new car loan does not require collateral.

Best if:
You want a loan that isn’t tied to your car
Your car is yours from day one—no collateral required.
You prefer a digital-only loan
From application to funding, it’s all online. No forms and no appointments.

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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 877-383-4624.

Schedule an appointment with a Truist teammate to apply for an auto loan. Calculate your monthly 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
Interest rates Fixed rates from 5.00% to 18.00% APRDisclosure 1 Fixed rates from {{lsiMinRate}}% - {{lsiMaxRate}}% APR with AutoPayDisclosure 2, Disclosure 3
Loan amounts $3,500 to $400,000Disclosure 4 $5,000 to $100,000
Loan terms Up to 84 monthsDisclosure 5 Up to 84 monthsDisclosure 5
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 6 30 daysDisclosure 6
Funding As soon as todayDisclosure 7 As soon as todayDisclosure 8
How to apply

Apply in person, or by phone if you have a Truist account. Call 877-383-4624.

Schedule an appointment with a Truist teammate to apply for an auto loan. Calculate your monthly 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 877-383-4624.

Schedule an appointment with a Truist teammate to apply for an auto loan. Calculate your monthly 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
Interest rates Fixed rates from 5.00% to 18.00% APRDisclosure 1 Fixed rates from {{lsiMinRate}}% - {{lsiMaxRate}}% APR with AutoPayDisclosure 2, Disclosure 3
Loan amounts $3,500 to $400,000Disclosure 4 $5,000 to $100,000
Loan terms Up to 84 monthsDisclosure 5 Up to 84 monthsDisclosure 5
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 6 30 daysDisclosure 6
Funding As soon as todayDisclosure 7 As soon as todayDisclosure 8
How to apply

Apply in person, or by phone if you have a Truist account. Call 877-383-4624.

Schedule an appointment with a Truist teammate to apply for an auto loan. Calculate your monthly 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 new car loans

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For secured auto loans, there is no set credit score requirement, although higher credit scores are generally viewed more favorably and can result in lower interest rates. Other factors are also considered when you apply for a loan, including but not limited to your income, debt-to-income ratio, and any down payment you plan to make.

The LightStream unsecured loan requires good-to-excellent credit profiles.

Here are some characteristics we find people with good-to-excellent credit share:

  • Credit history: Several years of credit history (excellent credit profiles have 5 or more years) with a variety of account types, including major credit cards, installment loans, vehicle loans, and mortgage debt, if applicable.

  • Assets: The ability to save money, shown by retirement or investment accounts, as well as liquid assets such as checking and savings accounts.

  • Income vs debt: Stable income and assets with the ability to repay current debt obligations in addition to the new LightStream unsecured loan. (Excellent credit profiles typically include little, if any, credit card debt.)

  • Payment history: A good-to-excellent payment history with few or no late payments, and no other problems repaying debt.


Everyone’s credit profile is unique, and during our approval process, we look beyond your credit score and examine your entire credit profile. Please note: A high FICO® score doesn’t guarantee approval.


Note for joint applicants: Each party on an application is reviewed equally since they share responsibility for this loan.

A secured car loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral. An unsecured car loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured car loan.

Both secured and unsecured car loans generally provide simple applications, quick approvals, and funding as soon as today.Disclosure 7, Disclosure 8

Generally, new car loan terms can range from 36 months to 84 months, with 60 month terms commonly used.

The interest rate on your new car loan will depend on factors including your credit profile, loan amount, and loan terms. Comparing multiple options can help you find the best interest rate.

You may also be interested in these options.

Used auto loans – dealership

With funding as soon as today,Disclosure 7, Disclosure 8 quick decisions, and a 30-day interest lock guarantee,Disclosure 6 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.

Auto refinance loans

Refinancing can be a great way to take advantage of lower interest rates and decreased monthly payments. We offer both secured and unsecured refinance loans.

Learn more about an auto refinance loan.

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Just a moment : loading interest rates

Disclosure 1 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 2 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 3 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 4 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 5 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 6 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 7 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 8 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 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 2 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 3 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 4 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 5 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 6 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 7 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 8 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:

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