Huntington Auto Loan: Rates, Refinancing, Payoff and Title

Can you get a Huntington auto loan, and on what terms? Directly from Huntington, only to refinance, buy out a lease or buy from a private seller, and only if you live in one of 22 states. At a dealership, Huntington is one of the lenders the dealer can arrange, and its filings say that is where most of its car loans come from. We read Huntington’s auto loans page, its refinance, lease buyout, payment, payment assistance, disaster and dealer pages on 9 October 2026, Huntington Bancshares’ June 2026 10-Q and its 10-K reports for 2024 and 2025, the CFPB’s and OCC’s enforcement records, and CFPB complaint counts. We applied for nothing and ran no rate check, and this site has no commercial relationship with Huntington or any lender.

How Huntington auto financing works: three direct routes and the dealer

Huntington’s auto page lists four “Auto loan financing options”: auto loan refinancing, auto lease buyout loans, “Buy from a private seller” and specialty vehicle loans for RVs, boats, power sports, travel trailers and classic cars. “Apply Now” and “Get Personalized Rates” buttons lead to an application and a rate check; we opened neither. The page opens with “Whether you’re buying or refinancing,” but none of the four routes is a loan for buying from a dealer, and the rate table has no dealer-purchase column.

That is because Huntington’s car lending mostly happens at the dealership. Huntington Bancshares’ 2025 10-K says “Automobile loans are comprised primarily of indirect loans made through automotive dealerships,” and that its indirect loans “are originated through deep relationships with dealerships.” Huntington’s dealer FAQ tells dealers that funding status is “displayed within DealerTrack and RouteOne.” On that route the dealer submits your application and arranges the financing; you do not apply on huntington.com.

Residency decides eligibility for the direct routes: “Vehicle loans are only available for Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, West Virginia, and Wisconsin residents.” If you are being offered Huntington financing at a dealer, read our guide to what happens at the finance desk before you sign.

Huntington auto loan rates, as of 25 September 2026

Huntington prints a full rate table with a date: “Rates effective as of September 25, 2026,” 14 days before our reading on 9 October. Every figure is an “As low as” APR, and the footnote sets the terms: “Annual Percentage Rates displayed assume a $30,000 loan amount with a $170 loan processing fee and for our highest qualified applicants.” It adds that your actual rate, term and payment “may be different depending on your credit history and the amount financed.” No term is attached to the rates, and no rate is printed for a car older than a 2018 model. Treat the table as Huntington’s floor on that date, not a quote; it changes.

Two patterns stand out. The second column sits a flat 3.51 points above the first in every row but the last (3.50). And age costs money in both columns: a 2018 model is 3.26 points above a 2025 to 2027 model to refinance, with the largest single step, 1.86 points, between 2019 and 2018. The refinance page shows only the first column; the lease buyout page shows only the second.

What does the column gap mean in dollars? Huntington prints no payment example, so the figures below are our arithmetic: the payment on Huntington’s assumed $30,000 at each printed APR over 60 months, a term we chose. Because the APR already counts the $170 fee, a payment worked out this way is an approximation, not an offer.

On the newest cars the second column costs $50.16 a month more, or $3,009.60 over 60 months; on a 2018 it is $52.32 a month and $3,139.20 in total. For context, Huntington’s 10-Q shows it earned an average yield of 5.87% on its automobile loans in the second quarter of 2026, against 5.82% a year earlier.

Huntington prints no minimum credit score. Its 10-K says its auto strategy focuses “on high quality borrowers as measured by both FICO and internal custom scores, combined with appropriate LTVs, terms, and profitability,” and that applications go through “an automated underwriting system.” See why lenders rarely print a minimum score and how term and car age move the rate.

Loan amounts, terms, fees and the 22 states

Huntington’s printed limits:

• Amount: “Loan amounts from $3,000 to $200,000.”
• Term: “up to 72 months for newer cars, 60 for older ones,” on both the refinance and lease buyout pages. No page we read says which model years count as newer.
• First payment: you can “choose your first payment date, up to 60 days after closing.” Ask how interest builds before that first payment; see how car-loan interest accrues.

Fees. The only auto fee Huntington prints is the “$170 loan processing fee” its rates assume, 0.57% of a $30,000 loan by our arithmetic. Its autopay disclosure says that if a payment bounces, “fees will be automatically assessed on your loan for insufficient funds, as permitted by law,” with no amount. No auto page we read prints a late-fee amount, a grace period, a prepayment rule, a mileage cap or a minimum score; those terms sit in the contract you sign. Nor did we find any rate discount for autopay or for banking with Huntington; its autopay disclosure says the service “is optional and is not required in order to obtain credit from us.”

Where. The 22 states above are listed on the overview, refinance and lease buyout pages. On the lease buyout page the sentence reads “Auto loan refinancing is only available for” the same states, a line carried over from the refinance page. The list is not the same as Huntington’s branch map: its 10-K says it operated “more than 1,000 branches in 14 states” at the end of 2025 and, after merging with Cadence Bank on 1 February 2026, “nearly 1,400 branches in 21 states.” You need to live in a listed state, not near a branch.

Refinancing a car loan with Huntington

Huntington’s refinance page describes the switch plainly: “The new loan pays off your existing balance, and you begin making payments to the new lender. It also involves transferring the vehicle title to the new lender.” It says refinancing “could be a smart move if” your credit score has improved, you want a lower payment or rate, or “Your car’s value is close to what you still owe.”

Huntington says you will typically need:

• your vehicle registration or title, your driver’s license and proof of insurance;
• the car’s make, model, year and VIN;
• “A payoff letter from your current lender.”

The pages print no minimum age for the loan you are replacing and no minimum number of months left on it. The rate depends on who holds your loan now. Bring a loan from another lender and the first column applies (5.92% to 9.18% on 25 September); refinance a loan Huntington already holds and the second column applies (9.43% to 12.68%). A refinance pays only if the new APR, the $170 fee included, beats your current one over the months you have left, and stretching a short remaining term back out to 72 months can cost more interest even at a lower rate. See when refinancing is worth it and how to shop refinance offers.

Lease buyouts, private-party purchases and specialty vehicles

Lease buyouts. “If you love your leased car, we’ll help you make it yours.” The buyout page’s own FAQ explains the price: “The residual value is the estimated value of your vehicle at the end of its lease. This amount should be outlined in your lease agreement.” It warns that on top of the residual “you might have to pay a processing fee and purchase option fee,” that buying early can bring “an early termination fee,” and that turning in an over-mileage car means the leasing company will likely charge you, “typically $0.25 per mile.” Huntington says it is “a proud member of the Association of Consumer Vehicle Lessors.” Buyout loans use the second rate column, from 9.43% on 2025 to 2027 models. Our lease buyout guide covers judging a residual against the car’s market value.

Private-party purchases. “Found the right car from a friend, family member, or online? We’ll help you finance it.” Huntington lists this as one of its auto loan routes and prices it in the second column. The pages we read do not explain how Huntington pays the seller, clears a seller’s existing lien or records its own lien on the title, so ask before you hand over money. Our private-party loan guide walks through the title and lien steps, and where else to borrow.

Specialty vehicles. A separate page offers loans for RVs, boats, power sports, travel trailers and classic cars, with its own application and no rate printed. The 10-K says Huntington’s dealer-made loans also finance “recreational vehicles, marine craft, and powersports.”

If Huntington finances your car at a dealership

Most Huntington car loans start at a dealer’s finance desk, and Huntington publishes no rate for them; your rate is the one in the contract you sign. Huntington’s FAQ for dealers shows what happens to the paperwork after you drive away:

• Funding. Dealers track a deal’s funding “within DealerTrack and RouteOne” or through Huntington’s Indirect Funding Department. The most common errors that delay funding, it says, are “Not including the Bookout sheet or Risk Based Pricing Notification.” A risk-based pricing notice is a disclosure meant for you; if your rate is based on your credit report, ask for your copy.
• Welcome Letter. “It can take up to 14 days to receive their Welcome Letter after Huntington documents the details of their agreement.” If a payment falls due before it arrives, the dealer is told to send the first payment to a separate address; after the letter, borrowers use the regular payment address.
• Out-of-state buyers. “The dealership should send the paperwork to the BMV where the customer lives to ensure the lien is properly recorded.”
• Trade-ins and payoffs. With your authorization, a dealer can get a payoff figure from an automated line “24 hours a day, 7 days a week” using the account number or Social Security number. After the payoff: “You will receive the title, notification of the lien being released electronically, or lien release letter within 10 business days.”

On any dealer-arranged loan the contract rate can include a dealer markup over the lender’s rate; our guide to buy rates and dealer markup explains how that works and how to compare it with an outside approval. The dealer FAQ also lists Huntington’s electronic-title codes for 31 states, 15 of them outside the 22 where it takes direct applications; it does not say in which states Huntington lends through dealers.

Payments, payoff, title and falling behind

Paying. Huntington’s customer service FAQ lists four ways to pay a Huntington auto loan: in online banking or the mobile app (select the loan and “make a payment”), by mail, “at huntington.com/payment,” or at a branch. From an account at another bank, use Transfers and “Make a Payment From an Account at Another Bank.” Two timing rules from the payment disclosures: a scheduled one-time payment must be cancelled before 9 p.m. ET on its date, and an autopay cancellation “must be received at least five business days before” the debit.

Payoff. No consumer page we read explains how to request a payoff quote. The dealer FAQ says Huntington’s automated payoff line needs the account number: “You must have the customer’s account number to obtain a payoff quote through our automated telephone service.” Get a written payoff figure good through a specific date before you send money.

The title. For dealer payoffs Huntington promises the title, electronic lien release or release letter “within 10 business days.” If Huntington’s lien is still on a title after the loan is gone, the FAQ says to ask its loan and lease customer service line for a “lien satisfaction letter.” In the CFPB’s file, trouble getting the title after payoff is the second most common complaint sub-issue about Huntington’s car loans (89, or 18.9%), after billing problems, so check that the lien has cleared once the window passes; see checking a lien after payoff.

If the car is totaled. Huntington’s vehicle disaster page says your insurer requests a Letter of Guarantee, which Huntington will process “within 48 hours.” The insurer pays Huntington, Huntington releases the title or lien to the insurer, and: “Please be advised that this may or may not fully pay off your loan with Huntington.” Any shortfall is yours unless you carry gap coverage; see how gap insurance works. If the car is repairable, the insurance check is payable to you and to “Huntington Bank as the lienholder”; once Huntington has the endorsed check and documents, “we’ll review them within 24 hours.”

Falling behind. Huntington’s Payment Assistance page opens: “Missed a payment? Let’s find a way forward.” It lists four options:

• Hardship program: “Special programs that may reduce your interest rate and monthly payment.”
• Re-age program: “Bring your account current without paying the full past-due amount.”
• Settlement: resolving the balance “for less than what’s owed.”
• Fee waivers: “If you call and show a willingness to work with us, we may be able to waive a late fee.”

“We cannot ensure that all borrowers will qualify for a loan work out option.” The page gives its team’s hours as Monday to Friday, 8 a.m. to 5 p.m. ET; the vehicle disaster page points struggling borrowers to a Customer Assistance Team on a different line, Monday to Friday, 8 a.m. to 7 p.m. ET. Huntington Bancshares’ 10-K says automobile loans “are generally fully charged-off at 120-days past due,” and that its customer assistance team also collects on “all sold and securitized consumer loans and leases.” Our repossession guide covers what can happen before and after that point.

What Huntington Bancshares’ 10-K and 10-Q say about its auto loans

Huntington Bancshares, the bank’s parent, prints “Automobile” as its own line of the loan book and breaks it out in its credit tables.

By our arithmetic, automobile loans grew 29.5% from the end of 2023 to the end of 2025, then fell $0.7 billion (4.4%) in the first half of 2026. The share dropped to 8% mainly because the rest of the book grew: the Cadence merger brought $36.9 billion of loans, and the 10-Q’s list of them names no automobile loans. Huntington is still lending: $2.8 billion of the June 2026 auto book was originated in 2026 and $6.1 billion in 2025, together 57.9% of it. The filings print no annual auto originations and no split between dealer-made and direct loans.

Where the loans are. The 2025 10-K says automobile loans “include exposure in selected states outside of our primary banking markets. The exposure outside of our core footprint states represents 23% of the total exposure, with no individual state representing more than 5% of the total exposure,” up from 19% (no state above 6%) a year earlier. That 23% is about $3.7 billion of the end-2025 book, by our arithmetic. Separately, the 10-Q counts $5.8 billion of “auto dealer services loans” in its commercial book; the 10-K describes “dealer finance loans (including floorplan loans)” made to dealerships and their owners, which are not car buyers’ loans.

Credit quality. Net charge-offs on automobile loans were $6 million (0.05% of average loans) in 2022, $21 million (0.16%) in 2023, $35 million (0.26%) in 2024 and $44 million (0.29%) in 2025, 7.3 times the 2022 figure. They ran at an annualized 0.35% in the first half of 2026 ($27 million), against 0.27% a year earlier, and 0.32% in the second quarter. On 30 June 2026, $174 million of auto loans were 30 or more days past due, 1.13% of the book by our arithmetic (the same share as at the end of 2025); 0.32% were 60 or more days late and 0.10% 90 or more. Nonaccrual auto loans were $7 million, and the allowance for auto loan losses was $169 million, down from $181 million at the end of 2025.

Who borrows. Huntington says it uses “the most recent FICO scores, which are obtained from the national credit bureaus and refreshed at least quarterly.” On 30 June 2026, by our arithmetic on its table, 55.7% of auto loans were to borrowers scoring 750 or more, 34.6% to 650 to 749 and 9.8% below 650. Loans made in 2026 lean higher: 59.4% at 750 or more and 4.7% below 650, against 9.5% below 650 for the 2025 loans.

Securitizations and credit linked notes. In the first quarter of 2024 Huntington “transferred $1.6 billion in aggregate automobile loans” to a securitization vehicle that issued about $1.6 billion of notes, about $128 million of which Huntington kept. It “retained servicing rights for the underlying loans,” so borrowers in that pool still deal with Huntington; $428 million of the trust’s borrowings remained on 30 June 2026, at a weighted average rate of 5.21% due through 2029. Since 2024 it has also issued credit linked notes, which “effectively transfer the risk of first losses on certain reference pools of the Company’s auto-secured loans” to investors. Four deals (2024-1, 2024-2, 2025-1, 2025-2) covered reference pools of $9.5 billion at the end of 2025, equal to 58.9% of its automobile loans by our arithmetic, with $1.15 billion of notes outstanding; a fifth in the first quarter of 2026 issued $410 million against an initial $3.5 billion pool, maturing in February 2034.

Compare how other banks report their auto books: U.S. Bank, PNC, Wells Fargo, Fifth Third and Truist.

Regulators: what the CFPB and OCC records show

“Why is Huntington Bank being sued?” is a common follow-up search. We describe only records we read:

• CFPB. A title search of the CFPB’s enforcement actions for “Huntington” on 9 October 2026 returned “Sorry, there were no results based on your filter selections.” The same search for another large bank returned its actions, so the filter works. A title search would miss an action whose title leaves out the name.
• OCC. The OCC’s Enforcement Action Search listed 14 records for “Huntington.” One is against The Huntington National Bank itself: Formal Agreement 2005-15, started 28 February 2005 and terminated 6 October 2005 (2005-150), with $0 listed as the amount. The agreement followed a Report of Examination dated 31 August 2004 and covers management, internal audit, “Accounting Policy and Procedures” and the “Allowance for Loan and Lease Losses,” including results presented under accounting rules “without regard to the resulting net income or earnings per share.” It does not concern auto lending to consumers. Six more rows under the bank’s charter are orders or notices against individuals; the remaining seven concern other banks or individuals elsewhere.
• The company’s own filings. The June 2026 10-Q describes one named legal proceeding, a Louisiana case over a 2020 Main Street Lending Program loan made by Cadence Bank before the merger; no auto lending matter is named. The 2025 10-K names no specific proceeding.
• States. We found and read no state attorney-general action over Huntington’s car loans. A private class action over repossession notices appears on a law firm’s website; we read no complaint, docket or court release for it, so we say nothing about it.

CFPB complaints about Huntington auto loans

The CFPB’s complaint database files Huntington as “HUNTINGTON NATIONAL BANK, THE.” Through 8 October 2026 it held 470 “Vehicle loan or lease” complaints naming that company, received from 27 April 2017 to 6 October 2026: 463 about loans and 7 about leases. Complaints are unverified consumer reports, not findings, and counts grow with a lender’s size.

The yearly counts have climbed. There were 37 in 2023, 46 in 2024, 84 in 2025 and 113 in 2026 through 8 October, already more than any full year in the file; 2025 and 2026 together hold 197, or 41.9% of the total. Between 2023 and 2025 complaints rose 127.0% while the auto book grew 29.5%, by our arithmetic. The CFPB data do not say why.

Problems paying off the loan account for 35 more complaints (7.4%), and add-on products bought with the loan for 21 (4.5%). Huntington’s responses were marked timely in all 470; 136 (28.9%) were closed with relief, 65 of them monetary. Forty-four (9.4%) carry a servicemember tag and 46 (9.8%) an older-American tag. Vehicle complaints are 5.2% of the 9,072 naming the company; 154 more sit under the CFPB’s older “Consumer Loan” product, which we did not split out, and 97 vehicle complaints are filed under “TCF NATIONAL BANK,” a bank Huntington acquired, which we did not count. Huntington ranks 42nd of 1,152 companies with vehicle loan or lease complaints. The CFPB no longer serves narratives, so we counted none.

Before you sign anything involving Huntington

Common questions

What are Huntington auto loan rates right now?

As of 25 September 2026: “As low as” 5.92% APR (2025 to 2027 models) to 9.18% (2018) to refinance another lender’s loan, and 9.43% to 12.68% for private-party purchases, lease buyouts and Huntington-to-Huntington refinances, for its highest qualified applicants on $30,000 with a $170 fee.

What credit score do you need for a Huntington auto loan?

Huntington prints no minimum. Its 10-K says it focuses on “high quality borrowers as measured by both FICO and internal custom scores.” On 30 June 2026, 55.7% of its auto loans were to borrowers scoring 750 or more and 9.8% below 650, by our arithmetic on its table. See how lenders set score cutoffs.

Can I get Huntington financing at a car dealership?

Not by applying on huntington.com: its direct routes are refinancing, lease buyouts and private-party purchases. Huntington’s auto loans are “primarily indirect loans made through automotive dealerships,” so ask the dealer whether Huntington is among its lenders. Your rate is the one in the dealer’s contract, and no dealer rate is published.

Can I refinance my Huntington auto loan with Huntington?

Yes, but the rate table prices “Refinance Huntington Bank Auto Loan” in its higher column: 9.43% for 2025 to 2027 models on 25 September 2026, against 5.92% for a loan coming from another lender. By our arithmetic that is $50.16 a month more on $30,000 over 60 months.

How do I pay my Huntington auto loan?

Huntington lists four ways: online banking or the mobile app (“make a payment”), mail, huntington.com/payment, or a branch; from another bank, use Transfers in online banking. We do not reprint phone numbers; Huntington lists its loan customer service line on its customer service and vehicle disaster pages.

How long does it take to get my title after paying off a Huntington auto loan?

For payoffs sent by a dealer, Huntington says the title, electronic lien release or release letter comes “within 10 business days.” No consumer page we read gives a separate timeline. If Huntington’s lien is still on the title after the loan is paid, ask its loan and lease customer service for a lien satisfaction letter.