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$3,000
Min. Loan Amount
Starting at 5.47%
APR
Product Name | Huntington car loans |
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Min. Loan Amount | $3,000 |
APR | Starting at 5.47% |
Interest Rate Type | Fixed |
Requirements | Ages 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 has over five years of experience informing editorial strategy at one of Disney’s digital media brands. Now as loans editor at Finder, she strives to create engaging, transparent content to help readers find products to meet their financial goals. On the weekends, you can catch Jenn at the dog park with her pup Olive or exploring the streets of Brooklyn — iced coffee in hand.
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.
You’ll need to meet the following requirements to qualify for an auto loan from Huntington:
Your vehicle must also meet these requirements:
You’ll need to reside in one of these seven states to finance your car with Huntington:
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.
You have the option of taking out four types of car loans through Huntington:
You have a few perks for choosing to finance your new or new-to-you car through Huntington, including:
Consider these potential downsides before taking out an auto loan with Huntington:
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.
BBB accredited | Yes |
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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.
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.
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.
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.