Whether it’s your first ride, a family SUV, or even a boat or RV, getting the right auto loan matters more than you think. With Huntington auto loans, you get flexible options for buying, refinancing, or even keeping a leased car.
In this article, we’ll break down everything you need to know about Huntington Bank auto loans, from the basics to the fine print, so you can make the smartest decision for your wheels.
What Are Huntington Auto Loans?
Huntington auto loans are personal installment loans that help people buy or refinance a vehicle without paying the full cost upfront. Instead of paying all at once, you borrow money from Huntington Bank and pay it back over time in fixed monthly payments. These loans are designed for different types of vehicle needs, whether you’re buying a brand-new car, a used one, or even a boat or motorcycle.
Huntington offers several loan options, including:
- Traditional auto loans for buying new or used vehicles from dealerships
- Refinancing loans to replace your current auto loan with a better rate or lower payments
- Private seller loans for buying a car from someone who isn’t a dealer
- Lease buyout loans to help you purchase your leased car at the end of the lease
- Specialty vehicle loans for RVs, boats, motorcycles, and more
These loans are available in select U.S. states and come with fixed interest rates, flexible terms, and easy online account management tools.
Huntington Auto Loan Options
Huntington offers a variety of auto loan options to fit different needs, whether you’re buying a new car, refinancing, or financing a specialty vehicle
Traditional Auto Loans
If you’re planning to buy a car from a dealership, whether it’s new or used, Huntington offers traditional auto loans to help cover the cost. These loans are available for vehicles that are 7 years old or newer and have less than 150,000 miles.
Why choose it:
- Borrow up to $200,000, depending on the car and your credit
- Can select the date of your first payment up to 60 days following closure
- Manage your loan and make payments easily online or through the mobile app
Auto Loan Refinancing
Huntington lets you refinance your existing auto loan, which means you can get a lower monthly payment, reduce your interest rate, or even pay off your car faster.
Key features:
- Refinance cars that are up to 7 years old
- Loan terms available for up to 72 months
- Borrow a minimum of $3,000
- Enjoy a 3.5% interest rate discount if you’re switching from another lender (limited-time offer)
- You must reside in one of Huntington’s service areas (e.g., Ohio, Michigan, Pennsylvania, etc.)
Steps to refinance:
- Gather your current loan and vehicle documents
- Apply online, over the phone, or at a branch
- Request a payoff letter from your current lender
- Huntington pays off the old loan
- You start making payments through Huntington
Lease Buyout Loans
If you’re leasing a vehicle and want to keep it, Huntington offers lease buyout loans. These Huntington auto loans allow you to buy the car you’ve been driving at the end of the lease period.
How it works:
- Review your lease contract to see the buyout amount
- Apply online, by phone, or at a branch
- Get a quick decision and approval
- Huntington pays the leasing company
- You now own the car and start repaying the loan
Extra benefits:
- Lease buyouts allow up to 72-month terms
- Start at $3,000 minimum loan amount and can borrow up to $200,000
- The same person must be listed on the lease and the loan
- You can select the date of your first payment up to 60 days following closure
- Easily manage the loan online
It’s a great option if you love your car, it’s in good condition, and buying it is cheaper than leasing a new one.
Loans for Private Seller Purchases
Planning to buy a car from a family member, friend, or someone on Craigslist or Facebook Marketplace? Huntington has you covered. Their private seller loans make it easy to finance cars that aren’t sold through dealerships.
Why it’s helpful:
- Most banks and credit unions don’t offer loans for private sales
- To purchase the car, you don’t need to spend all of your savings
- Available in every state where Huntington operates
- Loan limits and terms are the same as traditional car loans
Specialty Vehicle Loans
Looking to hit the road, water, or trail with something more exciting than a car? Huntington offers loans for recreational and specialty vehicles. Whether it’s a camper, jet ski, or motorcycle, you can get financing with fixed interest rates and long repayment terms.
Loan types available:
- RVs and campers, up to 15 years old
- Boats, up to 20 years old
- Motorcycles, ATVs, snowmobiles, and jet skis up to 8 years old
Loan terms:
- RV and boat loans: up to 180 months (15 years)
- Powersport vehicles: up to 72 months (6 years)
- Loan amounts: from $3,000 to $200,000
These Huntington auto loans make it easier to enjoy the outdoors without paying everything upfront. You can spread the cost over time and still hit the road or water with confidence.
Huntington Auto Loan Rates and Terms
Before applying for a loan, it’s important to understand the rates and terms that Huntington offers so you can choose the option that fits your budget and vehicle.
Loan Amounts and Terms
Huntington gives borrowers a wide range of options so you can choose what works best for your budget and the car you want.
Loan amounts: You can borrow as little as $3,000 or as much as $200,000.
Loan terms:
- For vehicles that are between 0–5 years old, you can get up to 72 months (6 years) to repay your loan.
- For cars that are 6–7 years old, the maximum loan term is 60 months (5 years).
- If you’re buying a specialty vehicle, like an RV, boat, or motorcycle, terms can go up to 180 months (15 years), depending on the loan type and your credit history.
This flexibility makes it easier to find a loan that matches your financial situation and long-term plans.
Current Huntington Auto Loan Rates
Your actual interest rate depends on your credit score, where you live, and how old the vehicle is. Huntington sets base rates based on ZIP codes. Below is a sample of the latest rates for the 43215 ZIP code, updated on July 18, 2025:
| Model Year | Loan Term | Interest Rate (as low as) | APR (as low as) | Monthly Payment (per $1,000 borrowed) |
|---|---|---|---|---|
| 2025–2024 | 72 months | 9.09% | 9.72% | $18.24 |
| 2023 | 72 months | 9.29% | 9.93% | $18.33 |
| 2022 | 72 months | 9.54% | 10.18% | $18.46 |
| 2021 | 72 months | 9.69% | 10.33% | $18.53 |
| 2020 | 72 months | 9.99% | 10.63% | $18.68 |
| 2019–2018 | 60 months | 10.24%–10.39% | 11.00%–11.15% | $21.54–$21.62 |
| 2017 | 60 months | 12.24% | 13.01% | $22.52 |
Moreover, if you’re refinancing an auto loan from another lender, Huntington offers a limited-time 3.5% rate discount. That could mean big savings over the life of your loan.
Who Can Apply for Huntington Auto Loans
Huntington auto loans are only available to people living in certain U.S. states. You must reside in one of the following areas in order to be eligible for a Huntington car loan account:
- Ohio
- Indiana
- Illinois
- Kentucky
- Michigan
- Pennsylvania
- West Virginia
- Wisconsin
- Minnesota
- South Dakota
- Colorado
You must fulfill Huntington’s financing conditions in order to apply. This includes passing a credit check and providing some basic documents. You may be asked to show:
- A valid government-issued ID (like a driver’s license or passport)
- Proof of income (such as a recent pay stub or tax return)
- Vehicle information: VIN (Vehicle Identification Number), mileage, make, model, and year
- Proof of insurance for the vehicle you’re financing
- If refinancing, a payoff letter from your current lender showing your remaining loan balance
Huntington doesn’t publish minimum credit scores. But based on user reviews and competitive underwriting practices, borrowers with scores above 650 generally have the best shot. But if you’re below that, don’t worry, Huntington still considers applicants with fair credit, especially if they have steady income or a co-signer.
Finally, it’s good to know that you don’t need to have a Huntington checking or savings account to apply for an auto loan.
How to Apply for a Huntington Auto Loan
Applying for Huntington auto loans is easy and only takes a few steps. You can choose the option that works best for your schedule:
- Online: Apply anytime through Huntington’s website. The process is quick and secure.
- By Phone: Speak directly with a loan expert by calling Huntington auto loan phone number (877) 587-8051. They’ll guide you through the steps and answer your questions.
- In-Branch: You can visit any Huntington Bank branch near you and apply on the spot.
Here’s how it works from start to finish:
- Get Your Documents Ready: Before you begin, make sure you have everything you need, as mentioned in the previous section. Don’t forget to have proof of insurance ready, too.
- Choose Your Application Method: You can apply in whichever way is most convenient for you: by phone, in person, or online form.
- Submit Your Application: Once you’ve picked your method, fill out the application with your personal details, income, employment information, and vehicle data. If you’re refinancing, be sure to include the payoff letter from your current lender.
- Wait for Approval: After submitting your application, Huntington will review your information and run a credit check. Many applicants receive a decision the same day, especially if all documents are submitted promptly.
- Finalize and Fund the Loan: If you’re approved, you’ll choose your loan terms, including the length of repayment and your first payment date. Then, you’ll close the loan. Huntington will either pay the seller or your current lender, depending on your loan type. The money is sent by check or electronic transfer.
- Manage Your Loan: Once your loan is active, you can manage it easily through Huntington’s online banking. You can track your balance, check due dates, and make payments. You can even set up automatic payments so you never miss one.
Online Tools & Resources
Huntington makes it easier to plan your auto loan with a variety of digital tools and support resources. Whether you’re buying a car for the first time or refinancing an existing loan, these tools help you make informed decisions:
- Auto Loan Calculators: Use these to estimate your monthly payments based on loan amount, term, and interest rate. You can also compare different loan terms to see what works best for your budget.
- New Car Buying Worksheet: A free, downloadable PDF that helps you stay organized during the car-buying process. It includes steps for comparing prices, tracking dealer offers, and planning your budget.
- Insurance Products: Huntington offers insurance coverage for cars, RVs, motorcycles, and more. You can protect your vehicle and even explore bundling options for added savings.
These tools are available online 24/7 and are designed to help you feel more confident in your financial decisions.
Huntington Customer Service & Support
If you need help during your auto loan process, Huntington offers several ways to get in touch. Whether you have questions about applying, managing your loan, or making payments, support is available to guide you.
- By Phone: For auto loan-related questions, call (877) 587‑8051. For general banking support, you can reach customer service at (800) 480‑2265. Representatives are available during regular business hours to answer your questions and walk you through the process.
- In Person: Prefer face-to-face help? Visit a nearby Huntington branch to speak with a banker in person. They can help you apply for a loan, understand your options, or make payments.
- Online & Mobile: You can also use Huntington’s online banking or mobile app to get support. These tools let you check your loan balance, schedule payments, or send secure messages to customer service. There’s even a live chat option available on the website during business hours for quick help.
Pros and Cons of Huntington Auto Loans
Every loan option has its advantages and drawbacks. Here’s a quick look at what makes Huntington auto loans a good fit, and where they may fall short:
Pros of Huntington auto loans:Â
- Wide range of loan options (buy, refinance, lease buyout, private party, specialty vehicles)
- Flexible terms and payment date choices
- Online account management
- 3.5% refinance discount for new customers
- No bank account required to apply
Cons of Huntington auto loans:
- Limited availability (only in 11 states)
- Rates can be higher than some credit unions
- Older cars not eligible for refinancing or lease buyouts
- No 84-month loan term available for newer vehicles
FAQs About Huntington Auto Loans
Can I apply for a Huntington auto loan without a bank account?
- Yes. You don’t need to have a checking or savings account at this bank to apply. Anyone living in a state where Huntington offers auto loans can apply as long as they meet the basic credit and income requirements.
Does Huntington Bank offer pre-approval for auto loans?
- Yes, Huntington allows you to check your auto loan options online and get pre-qualified without impacting your credit score.
What vehicles qualify for refinancing?
- To refinance a car loan, your vehicle must be no older than 7 years and have fewer than 150,000 miles. It also needs to be registered and in good condition. Specialty vehicles and cars with salvage titles do not qualify.
How long does approval take?
- Many applicants get a decision within one business day, especially if all documents are complete. In some cases, it might take longer if Huntington needs to verify more details or request additional paperwork.
How do I make payments on my Huntington car loan?
- You can make your Huntington auto loan payment online through the Huntington app or web portal, set up autopay, or pay in person at a branch.
Is there a penalty for paying off a Huntington auto loan early?
- No, Huntington does not charge a prepayment penalty if you choose to pay off your auto loan early.
In summary, Huntington auto loans offer flexible options for buying, refinancing, or keeping your leased car. With fixed rates, multiple loan types, and easy online tools, they make the car financing process simple. The loan application is straightforward, and customer support is easy to reach. If you live in a state they serve, Huntington Bank auto loans are worth considering.
