Get Pre-Qualified for an Auto Loan
Get pre-qualified for an auto loan instantly with just a few questions. You’ll immediately see what rate you may be eligible for, without a hit to your credit score. It’s as easy as shopping online, or finding a movie to stream!
Making Lending Convenient
- After entering your mobile number, fields in the application are prepopulated making it quick and easy
- See your estimated rate and payments without impacting your credit score
- Know upfront what you can save by refinancing loans from other financial institutions
Auto Loan Calculators
New Auto Loan Rates
Used Auto Loan Rates
Classic Car Loan Rates
Collectable Car Classes
- Classic – 20+ years old
- Antique – 45+ years old
- Modified – Pre 1949
- Vintage – Pre 1930
Classic Car Insurance
Your classic car can be insured under a collector insurance policy that could provide additional coverage and save you money. Ask one of our Truliant Insurance agents about the best policy for your dream car.
Express Check
Get on-the-spot vehicle purchasing power with a blank check from Truliant, so you can buy your car when you want with no hassle or stress.
- Your Express Check2 loan covers 100% of your car purchase, including tax, title and license.
- You can use your entire approved loan amount or just a portion.
- Your Express Check is good for up to 60 days, so you have time to shop and find the best car deal for you.
Credit Union Auto Buying Service
Credit Union Auto Buying Service, powered by TrueBuy Automotive, can help you find your next vehicle, and even have it delivered to your home or office.
- Car prices from Credit Union Auto Buying Service1 are below NADA retail value, so you will be sure you are getting the price without having to negotiate.
- Cars can be returned within three days if they don't meet your needs.
GAP Insurance
Protect your investment in your new or used car with our Guaranteed Auto Protection, or GAP insurance, to cover your loan if your vehicle is totaled or stolen. GAP insurance covers the ‘gap’ between market value and what you owe the lender.
Mechanical Repair Coverage
A breakdown can be troubling enough without the added worry of expensive repairs.3 As your vehicle gets older, the risk and cost of repairs increases.
Mechanical Repair Coverage4 (MRC), provides the aded security of an extended warranty after your manufacturer warranty expires. You can add it to a vehicle under a lien or one you have paid off already.
With MRC, you will enjoy many valuable benefits such as:
- Substitute Transportation - up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for rental car or rideshare are available
- 24-hour Emergency Roadside Assistance - up to $125 per occurrence, includes towing, battery, jumpstart, fluid delivery, flat tire assistance and lock out service
- Travel Expense Reimbursement - up to $200 per day (5-day maximum) for lodging, food and transportation expenses when a covered breakdown occurs 100 miles or more from home and your vehicle is held overnight at a repair facility; not available to residents of NY
- Key Replacement (including fob and/or remote) - $800 per occurrence for the repair or replacement of lost, stolen or damaged keys including any programming; not available to residents of CT, MA, PA and VT
- Paintless Dent Repair - repairs dings and dents no larger than 4 inches that are repairable through paintless dent repair techniques; not available to residents of CT
- Commercial use - pays for covered breakdowns when your vehicle is used for permitted commercial purposes
- No out-of-pocket expense (except for deductible) - the administrator pays the repair facility directly
- Good at any authorized repair facility - in the continental United States, Alaska, Hawaii, and Canada
- Rideshare - pays for covered breakdowns when your vehicle is used for ride-sharing purposes such as Uber or Lyft
- Mobility Equipment - provides coverage for mobility equipment components when installed by the manufacturer or a licensed installer
- Transferable - if you sell your vehicle privately, the coverage can be transferred (for an administrative fee), may add resale value and appeal
- Cancelable - receive a full refund for an unused agreement within the first 60 days, or a prorated refund thereafter less an administrative fee5
We offer three plans to meet your individual needs and budget. Talk to us today about what plan is right for you.
Eligibility
- Coverage must be active before the specified mileage and model year expiration. Coverage will continue until the policy expires.
- Current - 15 model years old and 150,000 miles or less
- Maximum eligibility for European/Luxury Vehicles is 100,000 miles. Includes Audi, BMW, Fiat, Jaguar, Land Rover, Mercedes Benz, Mini, Porsche, Smart, Tesla, Volvo and Volkswagen
How to Buy a Car
Buying a car is a big decision that can have a huge impact on your daily life and finances. So it's essential to have as much information as possible and fully understand what's available so you can make the best possible choice. That's where we as a credit union come in.
Whether you're a first-time car buyer or a seasoned auto shopper, we can help. In our Car Buying Tips Learning Center, you'll find useful articles on applying for a loan, getting pre-approved, negotiating a fair price and more.
Whether you're a first-time car buyer or a seasoned auto shopper, we can help. In our Car Buying Tips Learning Center, you'll find useful articles on applying for a loan, getting pre-approved, negotiating a fair price and more.
Auto Loan Tools and Resources
Related Topics
Rates and terms are subject to change. Loans are subject to credit approval. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 6.24% minimum APR. Contact us for complete details. Additional terms apply for refinancing existing Truliant auto loans.
(1) Credit Union Auto Buying Service is an independent NC-licensed automobile dealer.
(2) Express Check is not authorized for vehicles purchased from individuals. Subject to credit approval.
(3) Actual costs may vary by vehicle year, make, and model. Prices are based on actual claim experience of Consumer Program Administrators, Inc., and its affiliated companies’ customers as of September 2022. Your experience may be different.
(4) Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.
The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.
(5) Cancellation provision and administrative fees vary by state.
(1) Credit Union Auto Buying Service is an independent NC-licensed automobile dealer.
(2) Express Check is not authorized for vehicles purchased from individuals. Subject to credit approval.
(3) Actual costs may vary by vehicle year, make, and model. Prices are based on actual claim experience of Consumer Program Administrators, Inc., and its affiliated companies’ customers as of September 2022. Your experience may be different.
(4) Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.
The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.
(5) Cancellation provision and administrative fees vary by state.
Provision of the calculator on this page is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.