Auto Center » Auto Loans » Zero Rate Auto Loan

Zero Rate Auto Loan

As a member-owner of Truliant, you deserve options that will benefit you. We are excited to introduce our Zero Rate Auto Loan!

  • New, used or refinance
  • All makes and models
  • Lower monthly payments
  • Lower total cost of financing
  • Finance up to 60 months
  • Normal credit qualifications

Some manufacturers’ promotions offer the choice of 0% financing, a $4,000 rebate or a combination of both on new vehicles, but often there are many restrictions. In contrast, Truliant’s new Zero Rate Auto Loan requires normal credit qualifications and allows you to finance all of your interest up front, saving you money on your monthly payment and lowering your finance cost. Best of all, you can use this loan on the purchase of a new or used car or to refinance an existing loan – any make or model. Now that’s unbeatable!  

Below is a comparison of a manufacturer’s 0% financing, $4,000 rebate with a conventional loan and $4,000 rebate with Truliant’s Zero Rate Auto Loan, with a 60 month term. Even if there is no manufacturer's promotion, you can still save with a Zero Rate Auto Loan! 

  Manufacturer's 0% Conventional Loan Zero Rate Auto Loan
Vehicle Price $26,000 $26,000 $26,000
Vehicle Price After Rebate $26,000 $22,000 $22,000
GAP Insurance $299 $299 $299
Cost of Financing $4,000 (paid by rebate) $3,804 $2,453
Loan Amount $26,299 $22,299 $24,752
Interest Rate on Monthly Payments 0% 6.38% 0%
Annual Percentage Rate (APR) 0% 6.38% 4.74%
Monthly Payment $439 $435 $413
Total Cost of Purchase $30,299 $30,103 $28,752


Limited time offer. Subject to credit approval. Conventional loan comparison based on average Truliant auto loan rate as of 5/23/2007. For Zero Rate Auto Loan: cost of financing includes mandatory GAP insurance ($299) and varies based on loan amount (GAP insurance optional on other types of financing); maximum loan amount of $30,000; maximum term 60 months; prepayment of finance charge also available.

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