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, opens in new tab

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

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 minutesfootnoteDisclosure 4—sometimes even faster. And you may have your funding the same day.

30-day interest rate lock guaranteefootnoteDisclosure 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 monthsfootnoteDisclosure 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

Related resources

Your credit score, explained

Your FICO® credit score is one of the most common ratings used to determine your creditworthiness. Let’s break down how it’s calculated.

Secured vs. unsecured loans

There are some key differences between a secured loan and an unsecured loan. We explore the pros and cons of each, so you can decide what’s best for you.

You may also be interested in these options.

Just a moment : loading interest rates
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.

Just a moment : loading interest rates
LightStream unsecured loan

Embrace opportunities with a low-interest fixed-rate loan and no fees. You can borrow between $5,000 and $100,000 with fast, flexible funding .footnoteDisclosure 6

  • Improve your home, consolidate debt, or manage big expenses.
  • Rates from 6.49% to 25.29% APR with AutoPayfootnoteDisclosure 7
  • No fees … for anything
Apply now for a LightStream unsecured loan. , opens in new tab Get details on a LightStream unsecured loan.

Truist offers an additional unsecured loan option, which may include different underwriting guidelines, product terms, fees, and pricing. You can learn more by visiting a local branch or by phone. Call us at 844-4TRUIST (844-487-8478, opens in new tab) Monday through Friday, 8 am to 8 pm, or Saturday, 8 am to 5 pm ET.

Frequently asked questions about auto loans

Component ID : "faq-2074405642"
Model : "faq"
Position : "left"

You are not required to get preapproved before you find your vehicle. Call us at 844-487-8478, opens in new tab (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, opens in new tab, 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, opens in new tab)

Details can be found in your monthly statement, through your online or mobile banking, opens in new tab, by calling 844-4TRUIST (844-487-8478, opens in new tab), 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