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Auto Loans

Rates as low as3.74% APR1

Happy young couple learning about their new car.

Truliant Federal Credit Union makes getting auto loans fast and easy.

  • Up to 100% vehicle financing
  • 90-day deferred payment2
  • No mileage cap on used car loans
  • Convenient digital application

Whether you’re in the market for a new car, a used car or to refinance your current auto loan and lower your payment, Truliant is here to help.

Great auto loan rates:

New and used auto loan rates as low as 3.74% APR1

Our auto loans feature:
  • Flexible terms up to 96 months3 to ensure that your new car matches your budget
  • Fast approvals to get you on the road in no time
  • Skip-A-Pay to let you skip one payment per year4

What should I expect when applying for a car loan?

  1. Our quick, convenient digital loan application makes applying for auto loans or refinance existing vehicle loans available virtually anywhere.

  2. Once you apply, a personal Digital Guidance Specialist will walk you through the rest of the process so if you ever have a question, we're here for you.

  3. Within two business days, we'll contact you about your application's decisioning. If you're approved, we'll also discuss your loan amount, auto loan rates and payment information.

  4. Funds are ready when you are, so you're free to buy a car that you've had your eye on or to start shopping around whenever you wish.

Which comes first: a pre-approved loan or a car?

Get Pre-Approval First

Take back your negotiating power with our exclusive Express Check.

Imagine walking into a dealership with a blank check that's pre-approved to cover the entire cost of the car including your taxes, tag, and title.5 By applying for pre-approval and choosing Express Check, you're able to write a check for the full pre-approved amount or just a portion of the funds whenever you're ready—including nights and on weekends. Best of all, you'll already know what your vehicle loan amount, terms and payment will be so there's no worry of hidden surprises at the dealership. Our fast auto loans and Express Check, enable you to better negotiate the price!

Get Your Vehicle First

Whether you have your eye on a certain car or you like to browse before buying, Truliant is here for you. By working directly with many local dealers, great auto loan rates are simply a request away. When you're purchasing your car, give us a call or simply request your salesman to finance with Truliant.

If you're still looking for a great used car service, CUABS, also known as Credit Union Auto Buying Service powered by TrueBuy6, provides a free service to help you research and locate the perfect auto for you. Save money with low-stress, no-haggle prices that are often less than retail. Get used car loans from credit unions you know and trust. And, depending on where you live, they’ll even deliver your car right to your door.

Do you need GAP insurance?

GAP insurance is an optional insurance that helps you to pay off your auto loan if your car is totaled or stolen, and you owe more than the depreciated value. As vehicles depreciate over time and with standard wear and tear, GAP insurance could be a great additional coverage as you're paying off your vehicle. Auto loans for new luxury cars can be expensive. Add to that the depreciation value, immediately after driving it home, and short-term GAP insurance is a smart investment.

At Truliant, we're happy to offer GAP insurance to help protect your investment.
For additional information, please view our helpful guide.

Family in car with sunbeam

How to Buy a Car

Buying a car can be both exciting and stressful. At Truliant, we're here for you every step of the way from applying for your new loan to finding the perfect car for you, so whatever you choose, you can drive away happy. Read some of our favorite tips for purchasing a car.


How much will my vehicle payment be?


Auto Titles FAQ's

What’s the Difference Between Title and Registration?

The title proves that you own the vehicle. The registration is permission from the state to operate it on the road. The final step of owning your new vehicle is to register and title it at your state’s Department of Motor Vehicles (DMV). It may also be known as the Bureau of Motor Vehicles (BMV), the Registry of Motor Vehicles (RMV), or the Department of Transportation (DOT), depending on your state.

In most states, your registration should always be with your vehicle, just like your license plates.
Truliant only holds onto the title while your vehicle loan is open.

How Do I Give My Title to Truliant?

Once Truliant’s lien is accurately recorded by the DMV on your vehicle title, the DMV will send the title to Truliant either by mail or in an electronic title record. Truliant will retain the title either physically or electronically for the duration of your loan.
If you have or receive the title for the vehicle securing your loan and Truliant is not showing on the title as lienholder yet, you should take it to the DMV to complete a lien recording application to add Truliant as the lienholder using the address below.
If you have or receive the title for the vehicle securing your loan and Truliant is showing on the title please mail it to the address below or bring it to your nearest branch location for forwarding.
Truliant’s lienholder address for titles:
Truliant Federal Credit Union
3268 Progress Way Bldg. 12 MSC 5180
Wilmington, OH 45177

What Happens if We Don’t Receive Your Title With Truliant Listed as Lienholder?

As part of your loan agreement with Truliant, and because your car is serving as the collateral for the loan, you are required to provide us the title with our lien recorded within 30 days of opening the loan. The title must display the name(s) of the owner(s) in accordance with the loan and list Truliant as a lienholder. Being a lienholder means we have an interest in the property that’s on the title until the loan is paid in full.
If we have not received your title within a reasonable timeframe we will send letters to the address we have on file for you that will inform you that we’re still awaiting your title and your assistance may be needed to follow up or resolve the situation.
Failure to provide your title with our lien placed may result in increase to the interest rate or demand on your loan until title is provided. Please refer to your loan agreement documents and letters for specific detail.

How Will I Know That the Title With Truliant Listed as Lienholder Has Been Received?

We will only send letters regarding needing your title if we have not received it in a reasonable timeframe. Once we receive the title, these letters will stop.
If we receive a title for your vehicle that does not have Truliant listed as lienholder, we will mail the appropriate DMV forms to have our lien placed. Please complete the highlighted sections and return them in the envelope provided so we can file for lien placement on your behalf. The state’s DMV lien recording fee will be added to your loan balance.

What Information Needs To Be on the Title?

Once you get your title, there may be some changes that need to be made before the title is ready to give to Truliant. Please do not write on your title, as this will void the title. In the Names and Mailing Address of Owners section, it must list you as the owner and your current address. If there is another person on the title that is not a borrower on the loan, the person must sign, or have already signed, as Owner of Property on the Note and Loan Agreement. If the title application with the DMV is completed properly, we’ll be notified that the title has been created with Truliant as lienholder. 
IMPORTANT: The VIN (Vehicle Identification Number) on your Note and Loan agreement must match the VIN on your title. If you are aware of any discrepancies, please contact us as soon as possible.

If the vehicle you are titling is for your business and you would like it in your business name, you must open a business membership and apply for a commercial loan. If you have started the loan as a personal vehicle loan, the title will need to be in your name.

Truliant’s lienholder address for title purposes:
Truliant Federal Credit Union
3268 Progress Way Bldg. 12 MSC 5180
Wilmington, OH 45177

What Are the Different Ways to Purchase a Vehicle?

Dealer Purchase

If you purchase your vehicle from a dealership, they typically will complete the title application paperwork and send it to your local DMV. Please make sure the title application is accurate with your dealership.

Some dealerships may instead give the title and transfer documents to you to complete the title work with the DMV.

Please be sure to give the dealer or DMV the correct lienholder address:

Truliant Federal Credit Union
3268 Progress Way Bldg. 12 MSC 5180
Wilmington, OH 45177

The DMV will then issue perfected title to Truliant.

If there is a delay in receiving the title, contact your dealer to confirm they submitted the necessary paperwork to the DMV. If they did, contact your state’s DMV.

IMPORTANT: Even though the purchase was done through a dealership, you are responsible for ensuring the title is issued to Truliant.

Buying Your Leased Vehicle

If you are purchasing a vehicle you currently lease, the leasing company will provide you purchase instructions and often specific paperwork they need completed and received with the lease buyout/payoff. The leasing company should then provide you with the title, bill of sale, and other required documents to take to your local DMV to complete the purchase. The DMV will then issue a perfected title to Truliant with you listed as the new owner.

Sometimes the leasing company will send the paperwork directly to Truliant. In that case, we will send the title to you with the necessary documents for you to transfer the ownership into your name on the title and get Truliant listed as lienholder with the DMV. The DMV will then issue a perfected title to Truliant with you listed as the new owner.

Purchasing a Vehicle From Another Person

(also known as private sale or individual purchase If you purchased your vehicle through a private sale, a bill of sale may be necessary. It must be signed by both parties and list all pertinent information about the vehicle and money exchanged. Always check with your state’s DMV to make sure you have the required paperwork to complete the transaction.

IMPORTANT: Per your loan agreement, it is your responsibility to get the title from the private seller and take it to the DMV to transfer the ownership to your name and place Truliant’s lien. The DMV will then issue a perfected title to Truliant with you listed as the new owner.

What Do I Need To Do With My Title if I’m Moving to Another State?

If you’re moving to a different state within the U.S., you must provide all the necessary documents and forms to your new state’s DMV. Refer to your state’s DMV for detailed instructions.
IMPORTANT: Truliant cannot initiate the state change for you. You must initiate this process with the applicable DMV.
The DMV will then contact us to request that the title be mailed to them to process the change of state.
When we receive that request we will send the title to the new state’s DMV per their instructions, and then once the DMV completes the state change they will issue the title to us to retain for the duration of your loan.
IMPORTANT: Most states require this change be made within 90 days of becoming a resident. The full process may take 6-8 weeks depending on the DMV and state, so it’s important to get the process started as soon as you move.

How Do I Add or Remove Someone on My Title?

To add or remove another party as owner on the title for your vehicle that is financed with Truliant, you must contact us to providing the name, phone number, address, and email address of the individual you would like removed or added. The request will be reviewed and if we are able to accommodate the request we will prepare and send the appropriate paperwork necessary for you and the other impacted owner(s) to complete the ownership change with the DMV. We’ll mail the title and applicable DMV forms to the address you have on file with us. Once you have taken the paperwork to the DMV for the ownership change to be processed, the DMV will send the new title with new ownership to us for the duration of your loan.
IMPORTANT: Making sure your address and email address on file with us is current will make sure that the title and all paperwork get to you as soon as possible!
IMPORTANT: If you are selling your vehicle to another individual, your loan must be paid in full prior to being able to change ownership on the title with the DMV.

What if I or the DMV Lose the Title While Doing a State or Ownership Change?

Contact Truliant at 800.822.0382 to request a duplicate title. Processing time will depend on the DMV. You will be responsible for a title maintenance fee and any DMV fees associated with replacing the lost title.

What Happens to My Title After My Loan Is Paid in Full?

Once your vehicle loan is paid in full, we’ll release our lien and the DMV or Truliant will mail you the title within 7-10 business days. You may need to take the title to the DMV to have the lien release processed and removed from the DMV record. If this is needed, you will receive a letter with your title instructing you to do this.
IMPORTANT: Making sure your address on file with us and the DMV is current will make sure that the title gets to you as soon as possible!
If the vehicle loan was paid in full by a third party, we’ll send the paper title to the address provided in the payoff instructions we received.

What if I Lose My Title After My Loan Is Paid in Full?

If you have lost or misplaced your title after the vehicle loan is paid in full, you must first check with the DMV to identify if our lien is still recorded on the title’s record. Depending on the status of the lien recording you should take the following action:

  • If our lien record is still recorded for the title with the DMV, you will need to contact Truliant at 800.822.0382 to request we release our lien. Depending on the state and the type of title record, paper or electronic, we will then either mail you a notarized lien release letter or release the electronic lien record with the DMV.

    • If we mail you a notarized lien release letter, you must take it to the DMV to request a duplicate title with lien release.

    • The DMV will mail you the title once they process the lien release.

  • If our lien is not recorded for the title with the DMV, then you must go to the DMV to request a duplicate title.

    • You will be responsible for all fees. The DMVs do not allow us to apply for a duplicate title on your behalf if our lien is not recorded on the title. 

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(1) APR = Annual Percentage Rate. Rates and terms are subject to change. Loans are subject to credit approval. All auto loan rates, including discounts available when purchasing the vehicle through the Credit Union Auto Buying Service powered by TrueBuy (CUABS), and depending on your credit score, for loans with a loan-to-value ratio under 80% are subject to a 3.24% minimum APR. Contact us for complete details. Additional terms apply for refinancing existing Truliant auto loans.
(2) Qualified borrowers may defer payments up to 90 days after loan signing. Interest will accrue from the date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 84-months. Cannot be combined with other offers.
(3) The estimated monthly payment on $30,000, 96-month term at 5.99% APR is $394.
(4) Subject to credit union approval. Skip-A-Pay works by extending your loan term by one month for each Skip-A-Pay transaction used. Limit one Skip-A-Pay extension per calendar year. Account must be in good standing to qualify. Interest will continue to accrue until loan is completely paid. A $30 service fee applies. Once the fee is transferred, your loan will reflect the new due date. Truliant must be listed as the lienholder on the car or recreational vehicle title to qualify. 
(5) Express Check is not authorized for vehicles purchased from individuals. Subject to credit approval.
(6) Credit Union Auto Buying Service (CUABS) powered by TrueBuy is an independent NC-licensed automobile dealer not owned or operated by Truliant.

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.