We have not sold our credit card accounts.
Many financial institutions have sold their credit card accounts to large credit card issuers because they are paid a large upfront fee. As a result, their customer will often face rising interest rates, increased late fees, and shortened grace periods from the new third-party issuer.

Truliant has chosen not to sell our credit card accounts because it is not in the best interest of our member-owners. We directly control our rates, fees, operating policies and services. Our VISA program is operated in a consumer-friendly fashion that contributes to a total package of services that benefit you in building your financial foundation.

Most of our member-owners qualify for the advertised loan rate.
Most dealerships use an advertising method called "bait and switch", where they advertise an incredibly low rate, but only a few will qualify. At Truliant, we do not think the "bait and switch" method is in the best interest of our member-owners. We know that it is disappointing when a rate grabs your attention, but to find out that  only a few people can actually qualify. Therefore, we offer you real rates that most of our member-owners qualify for.