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Best for: Borrowers in Truist's branch footprint with a vehicle under 120K miles
Truist
Truist — secured auto refinance with a published rate floor of 5.65% APR and loans up to $400,000.
Min credit
Not disclosed
APR
5.65%–14.27%
Max vehicle age
20 yrs
Max mileage
120k mi
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Truist does not publish this on their public site. "No restriction" means Truist explicitly states no limit.
Overview
Truist's secured auto refinance loan publishes a full set of guardrails: fixed APR 5.65%–14.27%, loan amounts $3,500–$400,000, vehicle model year up to 20 years old, mileage up to 120,000, and terms up to 84 months.…
What’s great
- Published APR range 5.65%–14.27%
- Loan amounts up to $400,000
- Up to 84-month terms
- Same-day funding available
What to know
- Branch product only available in 18 states + DC
- Vehicle must be up to 20 model years old and up to 120,000 miles
- No published FICO floor
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 5.65% – 14.27% (secured auto refinance loan, fixed APR) |
| Maximum vehicle age | 20 years |
| Maximum mileage | 120,000 miles |
| Loan amount range | $3,500 – $400,000 |
| Term length | Up to 84 months |
| States served | 18 states |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Truist's own published materials. Rates, eligibility, and terms can change — verify directly with Truist before applying.
- [1]Truist Auto Refinance — secured product comparison table: 5.65%–14.27% APR, $3,500–$400,000, up to 120,000 miles, vehicles up to 20 prior model years, terms up to 84 months, branch availability in 18 states + nationwide via dealerships — Truist Bankhttps://www.truist.com/loans/auto-loans/auto-refinanceLast checked: October 2026