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Truliant Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 11 November 2023
Fact checked

Truliant Federal Credit Union auto loans overview

Truliant Federal Credit Union logo

Established in 1952, Truliant Federal Credit Union now has more than 30 locations across North and South Carolina and Virginia. Truliant offers vehicle loans with great rates, extended repayment options, and discounts to qualified members. Besides new and used autos, members can finance a variety of vehicles, including motorcycles, recreational vehicles, boats, and classic cars.

Want to see what a Truliant auto loan will cost? Try the Truliant Federal Credit Union 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 Truliant Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 5.99% APR.
  • Loan terms: Up to 96 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts for loans with a loan-to-value ratio under 80%.

TRULIANT FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can secure low rates and extended terms at Truliant FCU whether you’re looking to buy or refinance your current loan. New auto loans range from 5.99% APR to 15.49% APR, and terms can be as long as 96 months. Meanwhile, used auto loans begin at 6.49% APR. If you qualify for discounts, new vehicles have a minimum rate of 5.74% APR, while used ones begin at 6.24% APR.

Motorcycle, RV, boat, and classic car loans

You can finance pre-owned and new recreational vehicles, motorcycles, boats, and classic cars, too. Rates can range from 9.99% APR to 17.49% APR, and repayment periods are up to 180 months. Keep in mind that RV financing is available to vehicles up to 10 years old.

Truliant Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Truliant Federal Credit Union

Truliant Federal Credit Union auto loan

Truliant Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Truliant Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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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 Truliant auto loan

Eligibility criteria

  • A member of Truliant FCU
  • At least 18 years old
  • A U.S. citizen or permanent U.S. resident

Remember that your rates are based on your credit history, loan term, and loan-to-value. So, it helps to check your credit score before applying. This will give you an idea about your eligibility and allow you to build your credit. In turn, you can up your chances of getting favorable loan offers.

How to join Truliant Federal Credit Union

Truliant FCU membership is open to anyone who meets one of the following:

  • Live, work, worship, or attend school near one of Truliant’s branches
  • Relatives or household members of Truliant members
  • Employees of partner companies
  • Members of affiliated associations

What you’ll need to have ready

Personal details

When you apply for auto financing with Truliant Federal Credit Union, 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

Documents

You may need to provide Truliant 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.

Besides the qualifications and documents, understanding the loan application process can give your application a boost. Having an idea of how it works will guide you in each step and potentially increase your odds of getting approved for a car loan.

Ways to apply for a Truliant auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-822-0382

Additional Truliant FCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential 0.25% APR discount for borrowers with a loan-to-value ratio below 80%.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay available. (Learn more)
  • Ways to repay: Online banking, over the phone, by mail, and in a branch.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Low interest rates.
  • Extended repayment terms.
  • 0.25% rate discount for applicants with a loan-to-value ratio under 80%.
  • No prepayment penalty.
  • Pre-approval offered.
  • Easy online application.
  • Convenient auto-buying services offered.
  • On-the-spot vehicle purchasing through Express Check.
  • Deferred payments for up to 90 days for qualified borrowers.
  • New and used vehicle and refinance loans available.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does Truliant FCU charge on auto loans?

Including promotional rates and discounts, new auto loans start as low as 5.74% APR, while used auto loans begin at 6.24% APR.

What is the maximum length of a Truliant car loan?

You can extend your auto loan term for up to 96 months.

Are there discounts available on Truliant FCU vehicle loans?

You may get a maximum rate discount of 0.25% if your loan-to-value ratio is under 80%.

Are there early repayment fees on Truliant auto loans?

None. You can pay off your auto loan early without worrying about prepayment penalties.

How do I pay my Truliant Federal Credit Union auto loan?

You can make loan payments through online banking, over the phone, by mail, and in person.

How to apply for a vehicle loan at Truliant Federal Credit Union?

You can apply for a loan online or schedule an appointment with the credit union.

What do you need to qualify for a car loan at Truliant?

You need to be 18 years old or above, a member of Truliant FCU, and a legal U.S. resident to apply for auto financing.

How can I contact Truliant about my car loan?

You can reach out at 800-822-0382.

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Carla Soto
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.

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