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Why TruWest

A Better Auto Loan is Here


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
  • Up to 90-days before first payment1
  • Quick approvals

Rates & Fees

Determine Your Costs

New/Used Auto

Terms (Months) APR*
49 - 63 5.87% - 18.03%
64 - 75 6.33% - 10.50%
76 - 84 6.93% - 11.25%

*Rates after 0.25% discount

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Auto Disclosures

*APR=Annual Percentage Rate. On approved credit and up to 18.03% financing on New/Used Auto purchases and refinances from another institution, for a maximum 84-month term, and includes a 0.25% discount for auto transfer payment (Auto Transfer Payment). Rate subject to increase if Auto Transfer Payment is discontinued. As an example, monthly payments at 6.93% APR for an 84-month term are estimated at $15.06 per $1,000 borrowed. “New Auto” means the current and prior model year with less than 30,000 miles. “Used Auto” means the current and prior model year with 30,000 or more miles, and any earlier (older) model regardless of mileage. This offer may be valid for private party (person to person) purchases. Subject to change. Rates effective as of January 25, 2023.


Calculate Your Payment

Auto Loan Calculator
Enter a "0" (zero) for one unknown value above.



The information provided by these calculators are approximations and is intended for illustrative and general educational purposes only. This is not an illustration of current TruWest Credit Union products and offers. Accuracy is not guaranteed. Be sure to consult a financial professional prior to relying on the results. Programs, rates, costs, fees, restrictions, terms & conditions are subject to change without notice.

Next Step

View FAQs


Frequently Asked Questions

Next Steps

As easy as 1, 2, 3

How to Apply for a TruWest Auto Loan

  1. 1
    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. 2
    We'll Contact You
    A TruWest representative will respond via phone or email within 24 hours
  3. 3
    Check Your Email
    If approved, you will receive a pre-approval certificate via email along with additional instructions
  4. 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


We're happy to help! Just give us your name, email and phone number and we'll get in touch with you shortly.

190-day without payment option is available and must be elected at signing. Interest and any finance charges begin accruing upon loan disbursement date and continue to accrue for the life of the loan. Existing TruWest® Credit Union loans are not eligible. Must be a TruWest member with a minimum deposit of $5. All loans are subject to credit qualification & approval. No other discounts apply. Additional terms, conditions, or restrictions may apply. Programs, rates, terms and conditions are subject to change without notice.