Bank · FDIC insured
Truist Bank Auto Loan Rates
Truist Bank auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 29, 2026.
How Truist Bank’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This bank’s lowest
Truist Bank
5.75%APR
- Terms
- up to 84 months
- Up to
- 14.27% APR
Truist New Car Loan
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Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Truist Auto Lease Buyout Loan
Secured loan to buy out an auto lease and convert leasing to ownership. Apply in person or by phone if you have a Truist account.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.75%–14.27% | Fixed APR range for auto lease buyout; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months. |
Sources (1)
- truist.com/loans/auto-loans/auto-lease-buyout-loans · captured Oct 29, 2026
Truist Auto Refinance Loan
Secured auto refinance; apply in person or by phone if you have a Truist account. Available in branches in AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. Existing Truist secured auto loans require six contractual payments before refinance; title must be in borrower's name. No origination fees or pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.75%–14.27% | Fixed APR range; excellent credit required for lowest rates; less than a majority of applicants qualified for lowest rate. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months. 30-day interest rate lock after approval if application/terms unchanged. Collateral automobile; model year up to 20 prior model years; mileage up to 120,000. |
Sources (1)
- truist.com/loans/auto-loans/auto-refinance · captured Oct 29, 2026
Truist New Car Loan
Secured new-vehicle purchase financing at auto dealers; apply in person or by phone if you have a Truist account. No set credit score requirement.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.75%–14.27% | Fixed APR range for new car loans; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months. |
Sources (1)
- truist.com/loans/auto-loans/new-car-loans · captured Oct 29, 2026
Truist Used Auto Loan - Dealership
Secured used-vehicle financing for dealership purchases. No origination fees or pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.75%–14.27% | Fixed APR range for used dealership auto loans; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months. |
Sources (1)
- truist.com/loans/auto-loans/used-car-loans · captured Oct 29, 2026
Truist Used Auto Loan - Private Party
Secured private-party used auto purchase; buy from an individual seller with a loan from Truist.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.75%–14.27% | Fixed APR range; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months. Vehicle up to 20 years old and up to 120,000 miles. |
Sources (1)
- truist.com/loans/auto-loans/private-party-auto-loans · captured Oct 29, 2026
Truist Bank auto loan score
69
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Opening an account
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