Truity Credit Union

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Auto Loans
as low as 6.99% APR²

In the market for a new car? We can help you with an auto loan for a new or used automobile with competitive rates and flexible terms. Maybe you are thinking about a refinance. See how much you could save by refinancing your auto loan through the Credit Union today.

Not sure what documents you might need to start your application? Download our Auto Loan checklist here.

Auto Loan Pre-Approvals

Many auto buyers prefer to know exactly what they can afford before they begin searching for a vehicle. At Truity Credit Union it’s easy to get pre-approved for your loan. We’ll take into account current financing rates, your credit score, car value and other factors before determining how much you qualify for. Getting pre-approved will help when you negotiate a sales price with the seller because you’ll be considered a “cash” buyer since your financing is already secured.

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Buying from a private seller

If you’re thinking about buying a vehicle from an individual, come to Truity Credit Union first to get pre-approved. You’ll still get fast service and a great rate here! Tips for buying a car from Private Seller:

  • Arrange to meet the seller in a public place.
  • Take someone with you for safety reasons.
  • Interview the seller about the vehicle’s history.
  • Get a car-history report and have a reputable mechanic take a look at it before you buy.
  • Negotiate price—be fair but don’t be timid.
  • Once you’ve settled on a price, put the terms in writing.

If you’re getting an auto loan from us you can arrange to meet the seller here at Truity Credit Union to finalize the deal.

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Loan APR Term
Autos 2020-New 6.99% 60
Autos 2020-New 7.49% 72
Autos 2020-New 7.94% 84
Autos 2018-2019 7.49% 60
Autos 2018-2019 7.99% 72
Autos 2014-2017 8.49% 48
Autos 2014-2017 8.99% 60
Autos 2013 & Older 10.99% 48
See Other Rates

Local Preferred Auto Dealers

We offer auto loan solutions for every car buyer. If you’re buying from a local preferred dealer, you can get a low-rate, flexible-term Truity Credit Union loan right at the dealership and drive off the lot with your new car, without visiting a branch or waiting for funding to come through. A Truity Credit Union loan is available at these new and used-car dealers. Now, wherever you find the best deal on the car you want, you can get the best deal on the loan you need.

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Find a New or Used Car with Truity's AutoSMART

You can shop through the inventory of over 100 auto dealers to find new or used cars. On Truity's AutoSMART website, you can:

  • Find a new or used vehicle
  • Compare models
  • Still get the best rates available from Truity
  • Negotiate the best deals with online tools
  • Determine financing options with online calculators
  • Locate dealers committed to giving you the best price
  • Access auto research articles
  • Check the value of your trade-in
  • Fund your Truity Credit Union loan at participating dealerships
  • And so much more!

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Auto Loans


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Pre-approvals for New/Used Autos
Competitive Rates & Flexible Terms
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Auto Refinance Calculator

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2. APR=Annual Percentage Rate. Rate subject to credit approval and criteria. Available for new and refinanced auto loans. Loan payment example: $20,000 at 6.74% for 60 months=$393.58 per month. Other rates and terms available. See credit union for details.
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