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Secured vs. unsecured loans

A secured auto loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral.

An unsecured loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured loan.

Both secured and unsecured loans generally provide simple applications, quick approvals, and funding as soon as today.Disclosure 1, Disclosure 2

Learn more about secured and unsecured loans.

Compare options for used auto loans – dealership.

Just a moment : loading interest rates
Loan product 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 877-392-1806.

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
Vehicle model year Up to 20 prior model years No restrictions
Mileage Up to 120,000 miles No restrictions
Interest rates Fixed rates from 4.94% to 18.00% APRDisclosure 3 Fixed rates from {{lsiMinRate}}%  to  {{lsiMaxRate}}% APR with AutoPayDisclosure 4, Disclosure 5
Loan amounts $3,500 to $400,000Disclosure 6 $5,000 to $100,000
Loan terms Up to 84 monthsDisclosure 7 Up to 84 monthsDisclosure 7
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 8 30 daysDisclosure 8
Funding As soon as todayDisclosure 2 As soon as todayDisclosure 1
Loan product 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 877-392-1806.

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
Vehicle model year Up to 20 prior model years No restrictions
Mileage Up to 120,000 miles No restrictions
Interest rates Fixed rates from 4.94% to 18.00% APRDisclosure 3 Fixed rates from {{lsiMinRate}}%  to  {{lsiMaxRate}}% APR with AutoPayDisclosure 4, Disclosure 5
Loan amounts $3,500 to $400,000Disclosure 6 $5,000 to $100,000
Loan terms Up to 84 monthsDisclosure 7 Up to 84 monthsDisclosure 7
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 8 30 daysDisclosure 8
Funding As soon as todayDisclosure 2 As soon as todayDisclosure 1

Frequently asked questions about used car loans

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A secured loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral.

An unsecured loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured loan.

Both secured and unsecured loans generally provide simple applications, quick approvals, and funding as soon as today.Disclosure 1, Disclosure 2

For secured auto loans, there is no set credit score requirement, although higher credit scores are generally viewed more favorably by lenders and can result in lower interest rates. Lenders will also consider other factors when making a decision, 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.

 

There is no penalty for partial or total repayment of your loan.

Both our secured and unsecured auto loan options have no origination fee and no pre-payment penalties. You’ll only be responsible for any interest on the loan, along with any standard taxes, title, and registration fees required by the dealership or your state. With secured loans, late fees and returned payment fees vary by state.

When comparing offers, be sure to compare APRs, which reflect both your interest rate and any lender-imposed fees, to understand the true cost.

You may also be interested in these options.

Used auto loans – private party

With competitive rates on secured and unsecured private party auto loans, we can help ensure you get the best deal.

Learn more about used auto loans for a private party purchase.

New auto loans

We have solutions to fit your budget and help you get on the road. Compare options with our calculator tool.

Learn more about new auto loans.

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Just a moment : loading interest rates

Disclosure 1 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 2 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 3 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 4.94% 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 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 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 28.47% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2025 to 09/30/2025. 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.

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

Disclosure 6 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 7 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 8 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 1 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 2 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 3 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 4.94% 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 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 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 28.47% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2025 to 09/30/2025. 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.

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

Disclosure 6 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 7 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 8 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.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, 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
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  • 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.

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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:

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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