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Huntington auto loans review

Flexible payment options and 100% financing for residents of 7 states.

  • Best for borrowers looking to finance a late model car with less than 100,000 miles.
  • Pick something else if you live outside the seven states it lends in.
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Min. Loan Amount

Starting at 5.23%



Min. Loan Amount$3,000
APRStarting at 5.23%
Interest Rate TypeFixed
RequirementsAges 18+, live in eligible state, US citizen or permanent resident, vehicle is a 2012 model year or newer and has less than 100,000 miles

Review by

Jennifer Gimbel is a managing editor at Finder, where she works on SEO initiatives to bolster the expertise of our writers, authority of our brand and trust of our readers. Jennifer is responsible for launching Finder's Editorial Review Board, within which experts across the lending, personal finance, legal and medical industries review our content for accuracy and trust. She is also a constant presence on Finder’s YouTube channel, where she has hosted videos on everything from how to do your taxes to credit card hacks. Before joining Finder, Jennifer spent over five years informing digital content strategy at Disney Consumer Products and Interactive Media. She holds a BS in arts administration from Wagner College, as well as minors in economics and journalism.

Expert review

Huntington auto loans are ideal for borrowers looking to purchase a car that’s at least a 2012 or newer and has less than 100,000 miles. If not, you could be stuck with an unsecured personal loan with higher rates than your traditional car loan.

It stands out thanks to its flexible repayment options, including the ability to wait 60 days before making a repayment and to skip a payment if your hit a financial hardship.

But you need to live in one of the seven states it lends in to qualify. And it doesn’t list any hard-and-fast credit or income requirements on its website. It also only works with select dealerships, so make sure yours qualifies before submitting an application.

Not sold on Huntington? Compare your other options below.

First, do I qualify?

You’ll need to meet the following requirements to qualify for an auto loan from Huntington:

  • At least 18 years old
  • Live in eligible state
  • US citizen or permanent resident

Your vehicle must also meet these requirements:

  • 2012 model year or newer
  • Less than 100,000 miles

What states are Huntington car loans available in?

You’ll need to reside in one of these seven states to finance your car with Huntington:

  • Illinois
  • Indiana
  • Kentucky
  • Michigan
  • Ohio
  • Pennsylvania
  • West Virginia

What makes Huntington car loans unique?

Huntington’s auto loans stand out thanks to their flexible repayment options. This includes waiting 60 days to make your first payment, paying off the loan early without penalty and the option to skip a payment when you hit a financial rough patch.

What types of car loans does Huntington offer?

You have the option of taking out four types of car loans through Huntington:

  • New car loans. Borrow to buy a car from a dealership that partners with Huntington.
  • Used car loans. Complete your application with a Huntington-associated dealership.
  • Private-party auto loans. Huntington cuts a check and pays the selling party directly.
  • Auto refinancing loans. Refinance your existing auto loan for a potentially lower rate or better term.

What are the benefits of Huntington car loans?

You have a few perks for choosing to finance your new or new-to-you car through Huntington, including:

  • No down payment required. Finance the full cost of your new or used vehicle — a major advantage if you need wheels right away and don’t have the cash.
  • Coapplicants accepted. If your income or credit score could use a boost, apply with your spouse to increase your chances of approval.
  • No prepayment penalty. Many car loan providers charge a fee for paying off your car loan early — Huntington doesn’t.
  • Deferred first repayment. You can wait up to 60 days to make your first car loan payment.
  • Ability to skip a payment. Hit a financial hiccup? You have the option to skip a repayment and make it up later on.

What to watch out for

Consider these potential downsides before taking out an auto loan with Huntington:

  • Origination fee. You’ll be on the hook for a $150 origination fee if you borrow through Huntington. Some car loan providers don’t charge a fee at all.
  • Limited state availability. You need to live in one of the seven states it lends in to qualify.
  • Need to know which vehicle you want to buy. Be prepared to provide the year, make, model, mileage, VIN number and asking price during the application.
  • Your dealership may not partner with Huntington. Find out if it does before a hard inquiry is made on your credit score.
  • No autopay discount. Some lenders shave a small percentage off your interest rate if you sign up for automatic payments. Not here.
  • No specifics about credit worthiness. You won’t find minimum requirements for income, credit scores and other key factors online.

Must read: You might be offered a personal loan instead of an auto loan

The car, truck or motorcycle you’re looking to purchase needs to be a 2012 model year or newer and have under 100,000 miles to qualify for an auto loan. If it doesn’t fit those criteria, you may be offered an unsecured personal loan.

But hold up before sign on the dotted line: Interest rates for an unsecured personal loan are typically higher than an auto loan, since the vehicle isn’t used as collateral. Shop around — you may find a lender that’s willing to offer you an auto loan elsewhere.

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Huntington reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 1.2 out of 5 stars, based on 134 customer reviews
BBB customer complaints 523 customer complaints
Trustpilot Score 3.6 out of 5 stars, based on 7 customer reviews
App Store Score 4.8 out of 5 stars, based on 153,773 customer reviews
Google Play Score 3.8 out of 5 stars, based on 29,044 customer reviews
Customer reviews verified as of 19 October 2020

A modest seven reviews populate Huntington’s Trustpilot profile as of October 2020 — and the majority of them are Excellent. However, its Better Business Bureau profile tells another story. It has just over 1 star from its 134 reviews, and it has over 500 complaints.

There are no 2020 reviews regarding car loans from Huntington. But those from 2019 and 2018 state issues with title transfers, making payments and customer service.

How do I apply?

First, double-check the basics: Make sure you live in an eligible state and are at least 18 years old. If you meet those criteria, you can apply at a local branch, on the phone or online.

Follow these steps to get started online:

1. Go to the Huntington website and click Borrowing in the main navigation bar.
2. Under Personal Loans, select Auto Loans. Click Apply now.
3. The application begins with a series of questions called What You Want. Select Buy a vehicle.
4. Under Auto Loan, indicate that you have a specific car in mind. You’ll be prompted to fill in the year, make, model and mileage.
5. Fill in the amount that you want to borrow.
6. Indicate whether it’s an individual or joint application.
7. Click Next. In the required fields, add your personal and contact information.
8. Click Next. Add your financial information to the required fields.
9. Click Next. Review and submit your application.

What happens after I apply?

If you submitted your application between the hours of 7 a.m. and 10 p.m. ET on any day of the week, you’ll receive an immediate response indicating whether your application has been tentatively approved, declined or if more time is needed to review it. Did you apply outside of that time period? You likely won’t get a response as quickly.

If approved, a Huntington loan consultant will call you and walk you through the rest of the process, including how to verify your income and employment.

Once approved, the next step is to sign the contract and receive your funds. If you applied at a dealership, you’ll complete the process there and possibly drive off in your new vehicle that same day.

Otherwise, you’ll need to make an appointment to visit your local branch. If you’re buying a car through a private seller, the seller also needs to be at the branch when you close.

How do repayments work with Huntington?

You have the option to choose your own payment due date and frequency of payment. Huntington also allows you to wait up to 60 days to make your first payment — though interest likely accrues during this time, making your loan more expensive in the long run. You might want to see if its possible to sign up for autopay, so you don’t have to worry about manually making a repayment each month.

See how Huntington stacks up to other lenders with our guide to car loans.

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