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.
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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*Annual Percentage Rate (APR) as low as rates listed above with approved credit. Available for new and refinanced auto loans on model years 2013 and newer. Existing Truity Credit Union loans require a 25% balance increase, subject to terms. Loan documentation fee is $60.00. Fixed rate with terms up to 60 months. 110% LTV (Loan-to-Value) based on credit worthiness (credit score 690+). Loan payment example: $20,000 at 3.19% for 60 months = $361.06 per month. Other rates and terms available.
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.
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!
*Annual Percentage Rate/With Approved Credit. Available for new and refinanced auto loans on model years 2013 and newer. Existing Truity Credit Union loans require a 25% balance increase, subject to terms. Fixed rate with terms up to 60 months. Loan payment example: $20,000 at 3.19% for 60 months = $361.06 per month. Other rates and terms available.
See Disclosures, Terms and Conditions