Auto Loan Rates & Features
Get your next car or truck with a direct auto loan from Huntington. From new to 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.
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 9.52%-25.00% APR† Range
†Lending products subject to credit application and approval. Disclosed rates are as of October 26, 2023 and are subject to change. APR varies depending on your zip code.
Financing Options Fit for You
Whether you're purchasing a new vehicle, refinancing, or buying out a lease, we have loan options to suit your needs. We can also finance vehicles like motorcycles, boats, and recreational vehicles (RVs).
Direct Loans
Have full control of your terms and conditions—know the amount you're approved for and your estimated monthly payment 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. 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.
Auto Loan Rates
We offer competitive rates based on your zip code. Find auto loan rates for Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, and Colorado residents. Your rate is based on the 43215 ZIP code.
Rates effective as of Monday, December 04, 2023.
| Payment Amount | |||||
|---|---|---|---|---|---|
|
Model Year
|
Term
|
Rates as low as
|
APR as low as
|
(per $1000 borrowed)
|
|
|
2023
|
72 months
|
9.68%
|
10.32%
|
$18.52
|
|
|
2022
|
72 months
|
9.68%
|
10.32%
|
$18.52
|
|
|
2021
|
72 months
|
9.68%
|
10.32%
|
$18.52
|
|
|
2020
|
72 months
|
9.78%
|
10.42%
|
$18.57
|
|
|
2019
|
72 months
|
10.03%
|
10.67%
|
$18.69
|
|
|
2018
|
72 months
|
10.07%
|
10.71%
|
$18.71
|
|
|
2017
|
60 months
|
10.27%
|
11.03%
|
$21.55
|
|
|
2016
|
60 months
|
10.52%
|
11.28%
|
$21.67
|
|
|
2015
|
60 months
|
10.71%
|
11.47%
|
$21.77
|
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 powersports vehicles like personal watercraft, ATVs, or snowmobiles. 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.
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.
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.
‡Subject to approval. If your account is more than 30 days past due, or if you have passed a payment in the last 12 months, you will not be able to Pass-A-Payment. This offer is non-transferable.