Used auto loans - dealership

Finance your next used vehicle. From 5.75% to 14.27% APR.Disclosure 1

We make it easy to find your ride.

We make it easy to get in the driver’s seat at any auto dealer with a simple application process, quick decisions, and funding as soon as today.Disclosure 2 Excellent credit required for lowest rates.

Schedule an appointment Calculate your monthly payments

Apply in person for a new car loan., or by phone if you have a Truist account. Call 877-882-1186.

Benefits of a Truist used auto loan

Drive away with confidence, backed by trusted financing and dedicated support.

Personalized service

 

A Truist loan specialist will guide you through the application and answer any questions.

Quick decisions

 

Approvals are fast—and you can receive your funds as soon as today.Disclosure 2

Competitive rates

 

With low, fixed rates, you can save in interest over the life of your loan.

Auto loan details - Rates, fees, and more

We offer terms up to 84 monthsDisclosure 3 , no pre-payment fees, and a 30-day interest rate lock.Disclosure 4

Loan amounts:

$3,500 to $400,000Disclosure 5

Loan type:

Secured
Availability:

Available in branches in the following states: AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV.
Interest rates:

Fixed rates from 5.75% to 14.27% APRDisclosure 1

Terms:

Up to 84 monthsDisclosure 3

Interest rate lock:

30 daysDisclosure 4

Funding:

As soon as todayDisclosure 2

Collateral:

Automobile
Model year:

Up to 20 prior model years
Mileage:

Up to 120,000 miles
Payment options:

Digital, Autopay, mail, phone, in-branch
Pre-payment penalties:

None
Late or returned payment fees:

Varies by state

Estimate your monthly used car payments.

To start, input your purchase price and any down payment, along with your loan term (months) and your interest rate or annual percentage rate (APR). You can toggle between Over time, Various terms, and Amortization to get more details.

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.

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 2

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

Our secured used auto loans have no origination fees 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 private party auto loans, we can help ensure you get the best deal.

Learn more
New auto loans

We have solutions to fit your budget and help you get on the road.

Learn more
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Disclosure 1 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.75% to 14.27% 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 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 For comparison purposes, a consumer who finances a car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 6.18% would remit 84 payments of $367.00.

Disclosure 4 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 5 Minimum loan amount may vary in some states to comply with applicable law.

Disclosures

Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, and Truist Marquee 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.

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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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