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Used Auto Loans

Rates as low as6.99% APR1

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Women driving car with window down

Whether you’re in the market for a newer used car or one that is a few years older, Truliant is here to help. We offer used car loans for vehicles up to 10 model years old.

Used car rates as low as 6.99% APR1

Our used auto loans feature:
  • Flexible terms up to 84 months3 to ensure that your used 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
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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 Check5 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 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.

Credit Union Auto Buying Service (CUABS)

trulnt_8164_01_CUABSLogoFinal.pngCUABS, powered by TrueBuy Automotive, can help you find your dream car, and even have it delivered to your home or office.

  • Car prices from CUABS6 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.
Couple shopping for a car

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.
Learn More

Loans are subject to credit approval.
(1) The estimated monthly payment on a $20,000, 60-month loan at 6.99% APR is $396.
(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 6.74% APR minimum for 2017-2022 models, and 8.99% minimum for 2014-2016 models.

Estimate How Low Your Payments Can Be

Auto Loan Tools and Resources

(1) APR = Annual Percentage Rate. 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 6.74% 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 $20,000, 84-month term at 8.24% APR is $314.
(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.