Auto Loans

couple dancing in a car

Auto Loan Options

New and Used Auto Loans

  • Rates as low as 2.99% APR1
  • Purchase or save by refinancing
  • Finance up to 100% of the vehicle
  • Flexible terms – up to 96 months
  • Check all current auto rates

90-Day Deferred Payment 

  • Defer your first payment for 90 days for more financial flexibility2
  • Allows you three months to get caught up with other bills
  • Call 800.822.0382 for additional details

Express Check

  • Provides pre-approved funds to buy a vehicle after credit union hours or on the weekend3
  • Offers both convenience and negotiating power when purchasing a vehicle from a dealership
  • Learn more

Truliant Auto Insurance

  • Customized auto insurance quotes in minutesProvides pre-approved funds to buy a vehicle after credit union hours or on the weekend3
  • Variety of full-coverage auto insurance poilcies
  • Potentially save more if you bundle an auto and home insurance policy 
  • Call (844) 267-1698 for a free quote today. 


  • Lets you skip your payment for one month each year without penalty4
  • Give yourself some financial breathing room when needed 
  • Available for qualifying auto, recreational vehicle and boat loans
  • Learn more

Apply Today - and Get Yourself Behind The Wheel!

When you’re striving to reach your goals, Truliant can help you achieve them as your financial partner. Apply online, 24/7 for one of our auto loans and get on the road to saving more money. Visit one of our Member Financial Centers in North Carolina, South Carolina and Virginia, or call our Contact Center at 800.822.0382 to get started today. 


(1) APR = Annual Percentage Rate. Rates and terms are subject to change. Loans are subject to credit approval. Floor rate on auto loans is 2.99% APR, and includes discounts available when purchasing the vehicle through the Credit Union Auto Buying Service (CUABS) and/or when the vehicle's loan to value is 80% or less. Contact us for complete details. Additional terms apply for refinancing existing Truliant auto loans. (2) Qualified borrowers may defer payments for 90 days after loan signing. Interest will accrue from the date of the loan until payments begin. Participating in this program results in a 90-day extension of the loan, maximum term 84-months. Cannot be combined with other offers.  (3) Subject to credit approval. Express Check is not authorized for vehicles purchased from individuals. (4) Subject to credit union approval. Skip-A-Pay works by extending your loan term by one month for each Skip-A-Pay transaction used. Limit one Skip-A-Pay extension per calendar year. Account must be in good standing to qualify. Interest will continue to accrue until loan is completely paid. A $25 service fee applies. Once the fee is transferred, your loan will reflect the new due date. Truliant must be listed as the lienholder on car, recreational vehicle or boat title to qualify. 5) Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Truliant Federal Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer's choice.