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Truist auto loan rates

3.7/5 our editorial rating

Created from the BB&T and SunTrust merger; full-service consumer auto financing.

Visit Truist Calculate payment
From APR
6.69%
Best advertised rate

This is the lowest APR Truist advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit
660+
FICO score

Truist advertises its best rates to borrowers with FICO scores around 660 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$5,000+
Up to $100,000

Truist finances auto loans from $5,000 up to $100,000.

Loan terms
24–84
Months

Pick a repayment term from 24 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Truist rates by loan type

Rates shown are the best advertised APRs as of July 7, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 6.69% Compare →
Used car 60 mo 6.69% Compare →
Refinance 60 mo 6.69% Compare →

Pros

  • Branch network in Southeast US
  • Direct refinance available
  • Soft-pull pre-qualification

Cons

  • No private-party loans
  • Higher rates than top-tier credit unions
  • Limited national presence

How we rate lenders

Our 3.7/5 rating for Truist is computed from the same published data shown on this page - not from opinion, and never from partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

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