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Huntington Bank Auto Loan Calculator, Interest Rates & Overview

Updated 13 October 2023

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A quick review of Huntington Bank auto loans

Huntington Bank provides auto financing to residents in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, and Colorado. You can secure vehicle loans starting at 8.57% APR and stretch payment terms up to 72 months. Plus, you can pick from a selection of vehicle loans tailored for new and pre-owned cars, SUVs, trucks, RVs, boats, motorcycles, and more.

Want to see what a Huntington auto loan will cost? Try the Huntington Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Huntington Bank auto loan features

Minimum loan amount: Undisclosed.
Maximum loan amount: $100,000.
Interest rates: 8.57% to 25% APR.
Loan terms: Up to 72 months.
Loan fees: $170 loan processing fee.
Discounts: Undisclosed.

HUNTINGTON BANK LOAN OPTIONS

New and used auto loans

Huntington auto loans are for pre-owned and new compact cars, SUVs, trucks, and more. You can refinance your existing loan to lower your monthly payments, too. APRs can range from 8.57% to 25% depending on your ZIP code, and loan terms can extend up to 72 months.

Recreational vehicle, boat, motorcycle, and powersports vehicle loans

You can buy new or used RVs, boats, motorcycles, and other powersports vehicles, too. For RVs and boats, you can borrow up to $200,000 and secure terms of up to 180 months. Meanwhile, motorcycle loans offer up to $50,000 in financing and payment terms of up to 72 months.

Huntington Bank auto loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$25,000

Term

60 months

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Estimated Month Repayments

$437 Inclusive of fees

Interest Rate

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APR

Repayment Period

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Loan Amounts

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Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.

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Estimated Month Repayments

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Huntington Bank auto loan

Eligibility criteria

18 years old or older
Resident in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, or Colorado
Employed or have a reliable source of income

Understanding how to get an auto loan can also help you increase your chances of getting approved. Numerous banks, credit unions, and other financial institutions offer competitive auto loans. So, ensure you compare and weigh your options so that you secure a manageable vehicle loan.

What you’ll need to have ready

When you apply for auto financing with Huntington Bank, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

You may need to provide Huntington with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than preparing the documents, make sure your credit profile also meets the requirements. Banks commonly offer their lowest rates to borrowers with excellent credit. This way, you can qualify for the best loan offers and save more over the life of your loan.

Ways to apply for a Huntington Bank auto loan:

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call (800) 628-7076

Additional Huntington Bank auto loan details

Automatic payment: Available.

Loan approval times: Instant confirmation.

Rate discounts: Lowest APRs for the highest qualified applicants.

Repayment frequency: Monthly.

Late payment fees: Undisclosed.
Prepayment penalty: Undisclosed.

Co-borrowers allowed: Undisclosed.
Co-signers: Undisclosed.

Ways to repay: Online banking, by mail, and over the phone.

Hardship program: Available. Reach out to the Payment Assistance Team at 866-922-3925.

Vehicle restrictions and limitations

Maximum vehicle age: Undisclosed.
Maximum vehicle mileage: Undisclosed.
Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

Quick loan approval.
Borrow up to $100,000.
Purchase, refinance, and lease available.
Workable repayment terms.
Pre-approval available.
Flexible payment options – autopay, free Huntington bill pay, by mail, and over the phone.
No need for a Huntington bank account to apply and qualify.
Applicable to multiple vehicles – cars, SUVs, trucks, recreational vehicles, boats, motorcycles, jet skis, ATVs, and snowmobiles.
Online account access.

Cons

Interest rates are quite high.
$170 loan processing fee.
Borrowers with low credit scores may get higher APRs.
Limited to Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, and Colorado residents.

FREQUENTLY ASKED QUESTIONS

Does Huntington Bank refinance car loans?

Yes. You can switch your existing auto loan and take advantage of the competitive auto rate and flexible term.

How to apply for Huntington Bank car loans?

You can contact (800) 628-7076, visit a Huntington branch, or fill out an online application.

How to pay my car loan through Huntington Bank?

You can conveniently pay your auto loan balance online, by mail, or over the phone.

Are the auto loans available in all 50 states?

Direct vehicle financing is only available to residents in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, and Colorado.

What is the maximum term of a Huntington auto loan?

You can stretch your loan payments for up to 72 months.

How much do I qualify for with a Huntington vehicle loan?

You may finance up to $100,000. Remember though that the maximum amount you can borrow may vary depending on your credit profile and overall application.

How many pay slips does Huntington require during my car loan application?

Even if Huntington Bank doesn’t specify the required pay stubs, you usually need your 2 most recent payslips when applying for auto financing.

How much interest does Huntington Bank charge on car loans?

Huntington’s vehicle loans range from 8.57% to 25.00% APR based on your ZIP code.

Video: We’re for people | Huntington Bank

Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.