Apply in person for an auto loan.

Make the car you want yours—on your terms.

You can choose your car. Why not your loan? Buying or refinancing, we’ll help make your decisions easier. 

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 5.42% to 13.01% 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 loan options

With competitive rates and terms up to 84 monthsDisclosure 2, your monthly payment can fit your budget.

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 for an auto loan.

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

Recreational loans

By land or by sea, find a loan to upgrade your leisure.

Recreational vehicle loans

From touring motorcycles to class A motorhomes, the open road 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.

Boat and marine loans

Hit the water for the weekend or find your home at sea. Up to 20-year terms availableDisclosure 6 for qualifying crafts.

  • Purchase from a dealer or private seller.
  • Quick approvals and knowledgeable service.
  • Refinancing options available.

Get a quote for auto insurance.

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.

Refinancing is a great way to lower rates and monthly payments. Truist offers auto loan refinancing options. A Truist teammate will be able to walk you through options specific to your needs.

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)

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.

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.

Small business lending

Startup, co-op, or mom-and-pop, keep your cash flow healthy so you can keep your business moving.

Truist One Checking

A new kind of checking account that offers five different benefit levels based on your account balances and activity. The more you grow, the more perks you get. Plus, no overdraft fees.

Money and Mindset

Make the most of life's moments

Spending and Saving

Don’t let the unexpected rattle you, grow your money confidence.

Need more help?

Check out Money and Mindset

Tools

Guide to budgeting

Credit card payoff calculator

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Disclosure 1 Minimum loan amount may vary in some states.

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 6.23% would remit 84 payments of $366.00.

Disclosure 3 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.42% to 13.01% 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 A boat or marine loan for $75,000 at 8.38% APR, with a term of 20 years, would result in 240 monthly payments of $645.18.

*McGriff Insurance Services, Inc. is a subsidiary of Truist Insurance Holdings, Inc.

Disclosures

Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers.

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.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation 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. Deposit products are offered by Truist Bank.

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. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance 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.

  • Limited English Proficiency Support
  • New York City residents

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

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