You can pay a Truist auto loan online, in the mobile app, by phone, in a branch, or by mail; LightStream (a Truist division) also offers a 0.50% APR discount when you enroll in AutoPay before funding.
How to Pay a Truist Auto Loan
- Online & Mobile Banking:
- Sign in at truist.com or in the Truist Mobile app, select your auto loan from the dashboard, and choose Make payment.
- You can schedule one‑time or recurring payments from a Truist or external bank account.
- AutoPay (automatic payments):
- Set up recurring automatic debits from a checking or savings account via online banking or by calling 844‑4TRUIST (844‑487‑8478).
- For LightStream unsecured loans, enrolling in AutoPay can reduce your APR by 0.50 percentage points.
- By phone:
- In person (branch):
- Visit any Truist branch and pay by cash, check, or debit from your Truist account.
- By mail:
- Mail a check or money order (payable to Truist, with your auto loan account number on it) to the payment address on your monthly statement; many guides list a typical remit address such as Truist Auto Finance, PO Box 140528, Knoxville, TN 37914, but you should always use the one printed on your own statement.
Truist auto loans generally have no prepayment penalties, so you can pay extra or pay off early without a fee.
LightStream (Truist) AutoPay APR Discount
LightStream is Truist’s online lending arm offering unsecured loans, including for auto purchases and refinancing.
- AutoPay discount amount:
- LightStream offers a 0.50% APR discount when you enroll in AutoPay.
- When you must enroll:
- You must choose AutoPay during the application process, before the loan is funded; if you don’t, your APR will be 0.50 percentage points higher.
- After funding:
- If you try to add AutoPay after the loan is funded, LightStream materials say you cannot retroactively get the 0.50% discount; the lower “with AutoPay” APR applies only when selected upfront.
LightStream loans also have no fees (no origination, late, or prepayment fees), and you can manage payments entirely online.
Key Loan Details: Payoff, Fees, and Help
- Payoff amount:
- Prepayment and late fees:
- Payment relief / hardship:
FAQs About Truist and LightStream Auto Loan Payments
1. What’s the easiest way to make a Truist auto loan payment?
Using Truist Online Banking or the mobile app is usually the fastest—select your auto loan and tap Make payment to pay from a linked account.
2. Does Truist charge a fee for paying online or by phone?
Truist’s consumer auto loan pages emphasize standard digital, mail, phone, and in‑branch options and do not list typical convenience fees for basic online/ACH payments; some third‑party or card‑based channels may carry fees, so check the payment screen before confirming.
3. How do I get the 0.50% APR discount with LightStream?
You must select AutoPay during the LightStream application before funding; loans with AutoPay have APRs 0.50 percentage points lower than loans without AutoPay.
4. Can I add AutoPay later and still get the 0.50% LightStream discount?
No. LightStream states that the AutoPay discount is only available prior to loan funding; rates without AutoPay are 0.50 percentage points higher.
5. How do I see my Truist auto loan payoff amount?
Log in to Truist Online Banking, choose your auto loan, and check the Account details section for a payoff figure; you can also call 844‑4TRUIST and request a payoff quote.
6. Are there prepayment penalties on Truist auto loans or LightStream loans?
Truist promotional materials for auto loans highlight no prepayment penalties, and LightStream loans similarly have no prepayment penalties so you can pay off early without a fee.
