Skip Navigation
Site Logo

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 in the market, currently starting at 6.49% 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.
 

Loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 6.49% APR is $587.
(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 6.24% minimum APR for new autos.

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.

 

Auto Loan Calculators

 

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 Check3 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.

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 CUABS4 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.

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.

Mechanical Repair Coverage

A breakdown can be troubling enough without the added worry of expensive repairs.5 As your vehicle gets older, the risk and cost of repairs increases.

Mechanical Repair Coverage6 (MRC), provides the aded security of an extended warranty after your manufacturer warranty expires. You can add it to a vehicle under a lien or one you have paid off already.

With MRC, you will enjoy many valuable benefits such as:

  • Substitute Transportation - up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for rental car or rideshare are available
  • 24-hour Emergency Roadside Assistance - up to $125 per occurrence, includes towing, battery, jumpstart, fluid delivery, flat tire assistance and lock out service
  • Travel Expense Reimbursement - up to $200 per day (5-day maximum) for lodging, food and transportation expenses when a covered breakdown occurs 100 miles or more from home and your vehicle is held overnight at a repair facility; not available to residents of NY
  • Key Replacement (including fob and/or remote) - $800 per occurrence for the repair or replacement of lost, stolen or damaged keys including any programming; not available to residents of CT, MA, PA and VT
  • Paintless Dent Repair - repairs dings and dents no larger than 4 inches that are repairable through paintless dent repair techniques; not available to residents of CT
  • Commercial use - pays for covered breakdowns when your vehicle is used for permitted commercial purposes
  • No out-of-pocket expense (except for deductible) - the administrator pays the repair facility directly
  • Good at any authorized repair facility - in the continental United States, Alaska, Hawaii, and Canada
  • Rideshare - pays for covered breakdowns when your vehicle is used for ride-sharing purposes such as Uber or Lyft
  • Mobility Equipment - provides coverage for mobility equipment components when installed by the manufacturer or a licensed installer
  • Transferable - if you sell your vehicle privately, the coverage can be transferred (for an administrative fee), may add resale value and appeal
  • Cancelable - receive a full refund for an unused agreement within the first 60 days, or a prorated refund thereafter less an administrative fee7

We offer three plans to meet your individual needs and budget. Talk to us today about what plan is right for you.

Eligibility

  • Coverage must be active before the specified mileage and model year expiration. Coverage will continue until the policy expires.
    • Current - 15 model years old and 150,000 miles or less
    • Maximum eligibility for European/Luxury Vehicles is 100,000 miles. Includes Audi, BMW, Fiat, Jaguar, Land Rover, Mercedes Benz, Mini, Porsche, Smart, Tesla, Volvo and Volkswagen
 
Truliant is great to work with, they helped me set up an auto loan in no time. The process was very simple.
Been a member since 1986. Much better service and more personal than a bank. I have financed at least five or six cars, over the years. Always a quick and easy process. Thanks, Truliant.
Been banking with them for years and they've always been great! Just got another car loan with them.
Can't say anything negative about Truliant. They have the best interest rates for car loans.
Great staff very easy to work with. Got my car loan here.
 
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.
 
(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 6.24% 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) Express Check is not authorized for vehicles purchased from individuals. Subject to credit approval.
(4) Credit Union Auto Buying Service (CUABS) powered by TrueBuy is an independent NC-licensed automobile dealer not owned or operated by Truliant.
(5) Actual costs may vary by vehicle year, make, and model. Prices are based on actual claim experience of Consumer Program Administrators, Inc., and its affiliated companies’ customers as of September 2022. Your experience may be different.
(6) Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.
The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.
(7) Cancellation provision and administrative fees vary by state.
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.