
Buy your next car with confidence.
Having a safe and reliable car is a must. At Truliant, we offer a variety of auto loans so you can ride away with a new or new-to-you vehicle.
As a credit union, we offer some of the lowest auto loan rates on the market, currently starting at 5.99% APR1
When you apply for your loan online or schedule an appointment with one of our loan officers, they will partner with you to find a loan and a rate that works for you.Explore our current terms and rates.
New Auto Loans
Loans are subject to credit approval. (1) The estimated monthly payment on a $30,000, 60-month loan at 5.99% APR is $480. (2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. 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 5.74% minimum APR for new autos.
Used Auto Loans
Loans are subject to credit approval.(1) The estimated monthly payment on a $20,000, 60-month loan at 6.49% APR is $391.(2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. 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 used auto loan rates including promotional rates and discounts are subject to a 6.24% APR minimum for 2016-2021 models, and 8.24% minimum for 2013-2015 models.
Estimate How Low Your Payments Can Be
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 Check4 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.
GAP Insurance
Protect your investment in your new or used car with GAP insurance to cover your loan if your vehicle is totaled or stolen.
Credit Union Auto Buying Service (CUABS)
CUABS, powered by TrueBuy Automotive, can help you find your dream car, and even have it delivered to your home or office.
- Car prices from CUABS5 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.

How to Buy a Car
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
(2) The estimated monthly payment on $30,000, 96-month term at 8.24% APR is $428.
(3) 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.
(4) Express Check is not authorized for vehicles purchased from individuals. Subject to credit approval.
(5) Credit Union Auto Buying Service (CUABS) powered by TrueBuy is an independent NC-licensed automobile dealer not owned or operated by Truliant.