Why TruWest
A Better Auto Loan is Here
Auto
Put yourself in the driver's seat with our low-rate auto loans. Whether you're looking to purchase a new or used car or just want to refinance to a better monthly payment, TruWest has the lower rates and great terms you want.
- Low rates
- Financing available for new or used purchases or refinance
- Terms up to 84 months1
- Quick approvals
More Information
Plus, you can research, shop and compare vehicles from the comfort of your own home using TruWest’s Car Finder.
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View Rates & FeesRates & Fees
Determine Your Costs
New/Used Auto
| Terms (Months) | APR* |
|---|---|
| 49 - 63 | 3.65% - 16.15% |
| 64 - 75 | 3.85% - 9.00% |
| 76 - 84 | 3.99% - 7.50% |
Auto Disclosures
Rates effective as of March 9, 2020.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.
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View CalculatorCalculator
Calculate Your Payment
Auto Loan Calculator Help
Use this calculator to calculate loan details when the down payment is expressed as an amount.
Unlike a general loan calculator, this calculator allows for two unknown values. In addition to solving for the monthly payment amount, it will also calculate the "Price of the Car", the "Down Payment Amount" or the "Amount of the Loan". Just enter a "0" (zero) for one of the three values and provide the other two.
Note that the calculator calculates what percentage the down payment is of the price of the car. This is handy when a lender requires a borrower to provide a minimum percentage cash deposit.
The term (duration) of the loan is expressed as a number of months.
- 60 months = 5 years
- 120 months = 10 years
- 180 months = 15 years
- 240 months = 20 years
- 360 months = 30 years
If you need the ability to print the amortization schedule, or more flexibility such as selecting different payment or compounding frequencies or the ability to calculate term or interest rate, please see the auto loan calculator here: https://financial-calculators.com/auto-loan-calculator
Currency and Date Conventions
All calculators will remember your choice. You may also change it at any time.
Clicking "Save changes" will cause the calculator to reload. Your edits will be lost.
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View FAQsFAQs
Frequently Asked Questions
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Do I need to be a member of TruWest to get an auto loan?
Answer:
Yes. A membership is required if you are approved for the loan.
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Can I qualify for a loan with Social Security or investment income?
Answer:
You may be able to qualify for a TruWest loan with Social Security or investment income. Click a loan type under “LOANS” at the top of the page to apply, or call 1-855-878-9378.
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View Next StepsNext Steps
As easy as 1, 2, 3
How to Apply for a TruWest Auto Loan
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1
Apply
Whether you’re purchasing a new/used vehicle or interested in refinancing your current one, apply online, at a branch or by phone at 1(855) 878-9378 -
2
We'll Contact You
A TruWest representative will respond via phone or email within 24 hours -
3
Check Your Email
If approved, you will receive a pre-approval certificate via email along with additional instructions -
4
Setup an Appointment
Once you choose your new/used car or are ready to refinance, submit the required documents and set up your loan closing appointment
Note: Membership can be opened at the time of loan closing
1 On approved credit. Cannot be combined with other offers. Must be a TruWest member with a minimum deposit of $5 to qualify. Not available on existing TruWest loans. Offer subject to change.