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AUTO Loans

Rates as low as 5.99%* APR

We understand that a reliable vehicle is an important factor in your daily life. With TruStone, you can save valuable time and money whether you’re buying a new or used car, truck, or motorcycle or refinancing an existing loan. 

Please note that when you have an auto loan with TruStone Financial, it is required that you carry full insurance coverage that includes comprehensive and collision for the value of the loan and that proof of insurance is on-hand at the credit union.

Competitive Rates

Competitive Rates

Keep more money in your pocket with competitive rates and flexible term options. Plus, finance up to 125% of the vehicle value on refinances, purchases or cash out.

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Refinance Now

Refinance Now

With our powerful new refinance solution you can select the loan you want to refinance and view your new monthly savings - it only takes 20 seconds. No obligation and no impact to credit score to view your potential savings**. 

Start Saving 

Affordable Payments

Affordable Payments

Simplify your car shopping experience.  Use our easy Loan Payment Calculator to compare your monthly payment options and determine what works for your budget.

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Quick & Easy Approvals

Quick & Easy Approvals

Enjoy same-day financing and no payments for up to 90 days depending on qualifications. 
(Interest will accrue during that time.)***

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TruStone Auto Loan Benefits

With an auto loan from TruStone Financial, you can expect:

  • Up to 125% financing of the vehicle value on refinances, purchases or cash out.
  • Select your payment date. Just tell us what date works best for you.
  • Financing on purchases from an auto dealership or a private seller.
  • Loan rate discount with a TruStone Visa® Credit Card and automatic payment from a TruStone account.

Guaranteed Asset Protection (GAP) Plus with Deductible Assistance 

GAP Plus with Deductible Assistance: Financial protection for what your auto insurance may not cover. 

If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. Guaranteed Asset Protection may help you make up the difference. Essential financial protection on your vehicle loan that helps you drive with confidence. Talk to TruStone Financial today about how we can help protect you from sudden out-of-pocket expenses with Guaranteed Asset Protection. 

Mechanical Repair Coverage2

Mechanical Repair Coverage can help limit the cost of covered repairs – and protect your finances.

The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs. Protect yourself from unexpected costly repairs – talk to TruStone Financial to find out what Mechanical Repair Coverage plan is right for you.

Get going on your next adventure.

You make decisions all day, so making even one more (especially a financial one) can be overwhelming. Let TruStone guide you through the auto loan process so you're better equipped to decide what's right for you and your goals.



Vehicles can have equity like homes.

You can tap into your vehicle’s equity to use for home improvements, a vacation, or to pay off higher-rate debt like credit cards.


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*APR = Annual Percentage Rate. Advertised rate includes discounts for TruStone Visa credit card and automatic loan payments from a TruStone account. Actual rate may differ and is based on credit history, collateral and length of repayment period. Current TruStone auto loans are eligible for refinance with a minimum of $5,000 in additional disbursements.

**Selecting an offer and submitting an application will result in a credit inquiry which may impact your credit score. 

***Payments can be deferred up to 90 days from the date funds are dispersed depending on qualifications. Interest will continue to accrue. Terms and conditions apply.

1) Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased in WI may include a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP-3415626.1-0121-0423 CUNA Mutual Group ©2021,  All Rights Reserved. 

2) Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. Copyright MRC-3415612.1-0121-0223 CUNA Mutual Group ©2021,  All Rights Reserved.