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TruMark Financial Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 11 November 2023
Fact checked

TruMark Financial Credit Union auto loans overview

TruMark Financial Credit Union logo

TruMark Financial Credit Union was founded in 1939 and continues to boast vehicle loans with fast approval, great interest rates, and flexible repayment plans. Qualified members can purchase or refinance a range of vehicles – cars, vans, SUVs, RVs, boats, motorcycles, and more. On top of these, TruMark offers convenient auto-buying services and insurance discounts.

Want to see what a TruMark auto loan will cost? Try the TruMark Financial Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key TruMark Financial Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.29% APR.
  • Loan terms: 12 to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Auto insurance discount.

TRUMARK FINANCIAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

TruMark Financial offers vehicle loans with competitive rates and terms extending up to 84 months. You can finance new cars, light trucks, vans, and sport-utility vehicles starting at 6.29% APR. Meanwhile, used auto loans have a minimum rate of 6.64% APR.

Boat loans

You can also borrow up to $55,000 for new and pre-owned fishing boats, pontoons, and motorboats. Depending on your term and creditworthiness, rates may be as low as 7.49% APR, and terms range from 12 to 84 months.

Recreational vehicle loans

If you’re looking for outdoor adventure, loans tailored to motorhomes and campers are available, too. You can finance up to $55,000, and interest rates may start at 7.24% APR. Plus, you can pay your loan for as long as 120 months.

Motorcycle loans

TruMark also offers loans for new and used cruiser and sport bikes. You may qualify for rates as low as 6.74% APR or as high as 10.99% APR. Moreover, loans can be up to $55,000, and repayment periods can stretch up to 72 months.

TruMark Financial Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
TruMark Financial Credit Union

TruMark Financial Credit Union auto loan

TruMark Financial Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate TruMark Financial Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Trumark auto loan

Eligibility criteria

Though TruMark Financial Credit Union doesn’t reveal the criteria for vehicle financing, you commonly need to be:

  • At least 18 years old
  • A legal resident
  • A TruMark Financial member
  • Employed or have a reliable source of income

In general, lenders offer their best rates and terms to applicants with promising credit standing and financial situations. So, to further up your chances of qualifying, try to build your credit and lower your debt-to-income ratio (DTI).

How to join TruMark Financial Credit Union

You can join TruMark if you live, work, worship, volunteer, or attend school in the Southeastern Pennsylvania counties of Bucks, Chester, Delaware, Montgomery, and Philadelphia.

What you’ll need to have ready

Personal details

When you apply for auto financing with TruMark Financial Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide TruMark with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Besides meeting the requirements, ensure you can afford your monthly payments in the long run. With this in mind, compare the rates and fees to find which loan will save you more. This way, you can avoid defaulting on your loan.

Ways to apply for a TruMark auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-877-878-6275

Additional TruMark Financial auto loan details

  • Automatic payment: Available.
  • Loan approval times: Within the same business day, but it may be longer if you need additional documentation.
  • Rate discounts: Potential lower rates for members with excellent credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, over the phone, in person, and through mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: 100,000 miles.
  • Other vehicle restrictions: Not applicable to commercial vehicles or vehicles used for commercial purposes.

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible payment plans.
  • Pre-approval available.
  • Easy online application.
  • Convenient car-buying services offered.
  • Co-applicants allowed.
  • No payment for up to 60 days.
  • Dealership purchase, private sale, lease buyout, and refinance available.
  • Discounted auto insurance available.
  • Multiple payment options – online, over the phone, in person, and through mail.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Dealership purchases only available in Pennsylvania, New Jersey, and Delaware.

FREQUENTLY ASKED QUESTIONS

Does TruMark Financial Credit Union refinance auto loans?

Yes. You can refinance your existing auto loan to take advantage of TruMark’s competitive rates and terms.

How much interest does TruMark charge on car loans?

New auto loans start at 6.29% APR and used auto loans at 6.64% APR.

What is the maximum term of a TruMark Financial vehicle loan?

You can pay your car loan for up to 84 months.

How can I contact TruMark about my auto loan?

You can contact TruMark at 1-877-878-6275.

Can I apply for a TruMark Financial Credit Union car loan online?

Yes. You can easily apply for vehicle financing online.

How long does TruMark Financial take to approve vehicle finance?

Usually, you can get a loan decision within the same business day. Remember though that it can take longer if you need to provide more documents.

Will applying for an auto loan with TruMark affect my credit score?

A loan application will require TruMark to make a hard credit check, which will appear on your credit report. So, it can drop your credit score by a few points, but it’s only temporary. To build your credit, consistently pay your loan(s).

Video: Loans from TruMark Financial

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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