Auto Loan Rates & Features

Get your next car or truck with a direct auto loan from Huntington. From new or used vehicles, we help give you the money you need to be on the road sooner. We offer competitive rates and flexible terms — so you select the car loan options that work best for you.

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Auto loans are only available for Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, and Colorado residents.

Why choose an auto loan from Huntington?

With an auto loan from Huntington, you know what you're approved for before you head to the dealership. We work directly with your dealer — even online car retailers — to make sure you get the vehicle right for you on your own terms and conditions.

Competitive Rates with 7.57%-25.00% APR Range

Get a competitive auto rate based on your credit score when you finance with Huntington. We can offer auto loans with APR in the range of 7.57%-25.00%.

Disclosed rates are as of January 17, 2023 and are subject to change. APR varies depending on your zip code.

Financing Options Fit for You

Receive the auto loan right for you whether you want to refinance, lease, or buy your next car or truck. We can also finance vehicles like motorcycles, boats, and recreational vehicles(RVs).

Direct Loans for Full Control

Have full control of your terms and conditions — knowing exactly what your loan amount and monthly payment will be before you start shopping. We offer loan amounts up to $100,000 based on your loan needs.

Flexible Payment Options

Select payment terms up to 72 months. Choose the date of your first payment up to 60 days after closing your loan and choose payment frequency (weekly, monthly, etc.) You can also skip a payment and make it up later with Pass-A-Payment.

Online Account Management

Save time with online account access that lets you view your auto loan balance, monitor the transaction history, and make your payments with free Huntington Bill Pay.

Auto Loan Rates

We offer competitive rates based on your zip code. Find auto loan rates for Ohio, Illinois, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota and Colorado residents. Your rate is based on the 43215 ZIP code.

Rates effective as of Sunday, January 29, 2023.

Rate Table
Payment Amount
Model Year
Term
Rates as low as
APR as low as
(per $1000 borrowed)
2023
72 months
7.73%
8.35%
$17.57
2022
72 months
7.73%
8.35%
$17.57
2021
72 months
7.73%
8.35%
$17.57
2020
72 months
7.83%
8.46%
$17.62
2019
72 months
8.08%
8.71%
$17.74
2018
72 months
8.12%
8.75%
$17.76
2017
60 months
8.42%
9.17%
$20.67
2016
60 months
8.67%
9.42%
$20.79
2015
60 months
8.86%
9.61%
$20.88

Lending products subject to credit application and approval. Annual Percentage Rates displayed assume a $10,000 loan amount with a $170 loan processing fee and for our highest qualified applicants. Your actual annual percentage rates, term, and payment amount may be different depending on your credit history and the amount financed.

What vehicles do you finance?

Huntington finances new and used cars — from compact cars, SUVs, trucks, and more. Our auto loans are tailored to meet your needs and help get you behind the wheel sooner whether your goal is to:

  • Buy a new car or used car from a dealer or another individual.
  • Buy out a lease.
  • Get pre-approved, if buying.
  • Refinance your existing loan to lower your monthly payment or reduce your total cost of borrowing.

Loan Options for Your Next RV, Boat, or Motorcycle

Huntington can help finance your next recreational adventure. We can provide loans for purchasing RVs, boats, motorcycles, or other powersports vehicles (i.e. jet ski, ATV, or snowmobile). Our lending specialists can help customize to get the loan that works for you. Contact a lending specialist at (800) 628-7076.

  • RV: Borrow up to $200,000 with payment terms up to 180 months.
  • Boat: Borrow up to $200,000 with payment terms up to 180 months.
  • Motorcycle: Borrow up to $50,000 with payment terms up to 72 months.

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Why refinance my vehicle?

An auto refinance is the process of paying off your current car loan with a new loan that offers different terms. The refinanced loan also involves transferring the title to the new lender.

In general, refinancing a vehicle could be a good option for you if your credit score has recently improved, you didn't receive the best rate to start with, or you're looking for a lower payment.

Auto refinancing can ultimately help to save money over time by lowering your interest rate, decreasing your monthly payments, or changing the duration of your loan.


Apply for an Auto Loan

Ready to start your car buying journey? We encourage you to visit your nearest Huntington branch, or call our lending center at (800) 628-7076. You can also fill out an online application.

From there, a lending specialist can help you with your application. You don't need a Huntington bank account to apply and qualify for our auto loans.

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Direct Auto Loans are only available for Ohio, Illinois, Indiana, Kentucky, Michigan,
Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, and Colorado residents.


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Lending products subject to credit application and approval. Your loan amount options will be determined through a review of your Ability to Repay, which include a review of your income, and your debt, including the debt listed on your credit report.