Truliant is federally insured by the National Credit Union Administration and is an Equal Housing Lender. Get In Touch With Us Today You've got questions, and we have answers. Most lenders report voluntary repossessions on credit reports (which will lower your credit score, just like a regular repossession will), so you may only want to consider it if other options have not worked out or if the lender is willing to give you something in exchange for turning in the car, such as a reduction in the amount you need to repay. For example, if after two years of paying a $20,000, 4 year loan at 7% you refinanced with another 4 year loan at 7% for the remaining balance ($10,697), your monthly payment would decrease from $478.92 to $256.15, a savings of over $200 a month. Having a car provides many conveniences. To use the calculator, make sure you have the following information available: Vehicle purchase price: This is the amount you financed to purchase your vehicle. For those whose car payment is too high, refinancing provides a way to lower the payments if they have already paid down a significant portion of the loan, since it can extend the repayment period. We can help you get there. **Minimum loan amount for terms of 67 to 72 months is $15,000. Addresses are listed for reference only. View your remaining balance, make a payment, set up automatic transfers, and more. Let us help you make it yours. Lockbox 5053087. We work with you to tailor a loan that helps you achieve your goals while saving money. If the monthly payment is $347.89, considering rounding up the payment to $400. View your remaining balance, make a payment, set up automatic transfers, and more. . Apply online, 24/7 for one of our auto loans and get on the road to saving more money. Payoff numbers and addresses for the top credit unions in the USA. 3200 Truliant Way Winston-Salem, NC27103 Reviews Rating: 24reviews Leave a Review Open Today - December 9, 2022: Lobby Hours: 9:00 am - 6:00 pm Drive-Up Hours: 8:00 am - 6:00 pm Hours Phone Branch Locator Finances Phone Number: (800) 822-0382 Fax: (336) 659-5360 Mailing Address: Truliant FCU PO Box 26000 Winston-Salem, NC 27114-6000 Website: Plus: Lienholder Titling - Insurance Loss Payee. As a result, they're forced to accept the higher auto loan rates. Tell us your goals, and well work together to find an affordable option to meet your needs. Auto loan. View full directory. Truliant is a registered trademark of Truliant Federal Credit Union. Copyright 2022 Truliant Federal Credit Union. Find an auto loan that works for me Explore Auto Loans Now Phone Numbers: C.U. . Expect financial expertise and local, personalized attention. For example, if after two years of paying a $20,000, 4 year loan at 7% you refinanced with another 4 year loan at 7% for the remaining balance ($10,697), your monthly payment would decrease from $478.92 to $256.15, a savings of over $200 a month. ***Minimum loan amount for terms of 73 to 84 months is $25,000. Login to Online Banking Login as a Guest User Registered User Guest User Additional loan repayment options By transferring funds: Transfer funds between Truliant accounts within Online Banking. Payoff phone numbers and addresses for all major auto lending banks in the USA. Contact customer service for the Winston-Salem Downtown Branchlocation at 893 North Liberty Street by calling the contact number at (800) 822-0382 or contact the credit union by any of these means: Phone Number: (800) 822-0382 Fax: (336) 794-5140 Mailing Address: Truliant FCU PO Box 26000 Winston-Salem, NC 27114-6000 Website: www.truliantfcu.org [email protected]. Apply by phone if you have a Truist account. The higher this amount, the faster your debt will be paid off. Options that provide temporary assistance include loan extensions and repayment plans. All rights reserved. It is common for cars to sell at auctions for a fraction of their resale value. All items selected for processing will be reset to their original state. Auto Loans Enjoy rates starting at 5.99% APR 1 Apply Online Today Calculate Payments We offer auto loans to meet your car-buying needs. Money Burst is a personal finance resource featuring short videos and articles with tips and hacks to make managing money easier; plus, great advice to help you reach your financial goals. If you cannot sell the car at all, you can see if the lender would be willing to accept the car back. (800) 822-0382 Report Fraud Truliant offers several ways to contact us Give us a call Find a branch Schedule an appointment Submit a contact form For all other questions: Stop by one of our many convenient locations, make an appointment to see us in person, or fill out the following information to have a specialist get back in touch with you: This holiday season, when you give the gift of life-long credit union membership, Reliant will add to the gift with a $50 deposit!1. Truliant Federal Credit Union Auto Loan Payoff Address Standard Mailing PO Box 26000 Winston-Salem NC 27114 Overnight Physical 3200 Truliant Way Winston-Salem NC 27103 Contact Truliant FCU for complete details. PO Box. It prioritizes the repayment of debts with the highest interest rates while paying the minimum required amount for each other debt. How To Use the Truliant Auto Loan Calculator Enter the values or use the slide. Manage your loan any time of day or night with online banking or our mobile app. The same result can be achieved with a loan modification if your current lender is willing to . The 10-day payoff includes any interest you owe through the date of your last . If you continue to miss payments, and do not reach an agreement with your lender, the car will likely be repossessed. If you're thinking of paying your auto loan off early, you'll need to request the 10-day payoff amount from your lender. When you seek financing to reach major milestones, you deserve a trustworthy lending source that finds the right solution for you while saving you money. Consider rounding up your monthly installments to the next $50 or $100. Is there another car you can drive? This dollar amount is in addition to your monthly minimum payments that you will use to pay down your non-student loan debt, such as credit card debt, auto loans and other loans. 0.25% rate discount for energy efficiency - Vehicle must have an EPA fuel economy rating of 35 MPG or 35 MPGe combined city/highway. They have put us through so much with our mortgage in the past 3 years that it's incredible. Help Me Decide. Pay as a guest - Truliant Federal Credit Union Online Payment System Welcome to the Truliant Online Loan Payment Service Please enter the following information as it appears on your bill. Some states allow cars to be repossessed after one missed payment. We can help you get there. Truliant is federally insured by the National Credit Union Administration and is an Equal Housing Lender. These incentives, combined with Reliants low auto loan rates, are often more financially beneficial than 0% financing. Your monthly payment would be $295.88, meaning that your total interest comes to $13,258.40. If you are looking for resources to reduce your interest rates and save money, Truliant's Debt180 can help. And, if youre drowning in credit card debt, Truliant can help with that too. $3,500 minimum borrowing amount Up to 84-month 2 Terms available Rates range from 5.20% to 13.01% APR 3 Excellent credit required for lowest rate Fixed rates for the life of your auto loan. Please note that you are more liable to carry negative equity the longer your term. Here's another strategy for ramping up your minimum payments. Furthermore, if your credit score is low, it may be hard to get a new loan. Borrow up to 100% of the manufacturers retail price (new) or NADA value (used) of the vehicle youre buying, plus the cost of sales tax and extended warranty. What do you do in this situation? However, not all lenders aggressively pursue deficiency balances, and in some circumstances lenders may even forgive them. Read our FAQs. You'll end up paying $2,645 in interest payments. Interest will accrue from the date of the loan until payments begin. Money Burst is a personal finance resource featuring short videos and articles with tips and hacks to make managing money easier; plus, great advice to help you reach your financial goals. This is called a voluntary repossession. Affordable payments - the longer the loan term, the lower your monthly payment. The loan payoff is the amount you have to pay to fully pay off the money you owe to the loan company. All loans subject to approval and must meet credit-granting terms and conditions. Assess why you are struggling. If they can't get the title what makes them think I can get it and I don't own the car. To get the best interest rate, you usually need at least a 740. I just got done paying off one of the personal loans. That's a saving of $4,402! Your zip code is used to provide you with Dealers and pricing information specific to your location. If so, that is probably one of the reasons why you are struggling with your payments. You'll cover the auto loan in 36 months. Sign your auto loan closing documents electronically, no matter where you are. Standard Mailing PO Box 53087Phoenix AZ 85072 . Manufacturer Warranties Car Tax by State DMV Fees Bank Payoffs My Vehicle Title Get My Lost Title Bill of Sale Sales Report F&I Menu Loan Calculator . It's not uncommon for buyers to sign a six year term to get a more manageable monthly payment, but pay off the loan sooner as funds allow. However, this option will only save you money if you purchase a new car that is much cheaper than the one you have now. Put a For Sale ad in the paper. However, it is not uncommon for people to be upside down owe more on the loan than what they can sell the car for. Friends believes the plate will generate about $6,000 annually for the park. Our network connects credit unions with dealerships in 49 states including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, North Carolina, Nebraska, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Dakota, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. To ensure that your website session is secure and that you are able to experience the full truliant.org website, please, https://www.experian.com/blogs/ask-experian/research/auto-loan-debt-study/. Call 800-868-4262 The Benefits of a Coastal Auto Loan Simple application and quick approval process 45 Days 1 to first payment No Pre-Payment Penalty How a Coastal Auto Loan can help you bank better We guarantee that if we can't save you $100 per month on your auto loan payment, we'll give you $200 on the refinance you fund with Coastal 2 Cannot be combined with other offers. Participating in this program results in up to a 90-day extension of the loan, maximum term 84-months. AutoSMART - Truliant Federal Credit Union Pause Your Smart Choice for Stress-Free Car Buying SEARCH, SHOP, FINANCE BUILD YOUR OWN Look for our Plus Dealers You rely on us to deliver a smart car buying experience. Open an Account Apply for a Loan Make a Payment Schedule an Appointment Find Routing Number Auto Loans Rates as low as 5.99% APR1 Learn More Personal Loans Rates as low as 7.24% APR1 Learn More Home Equity Line of Credit Variable rates as low as 6.75% APR1 Learn More Credit Cards Set up auto pay, and youll never have to worry about forgetting a payment again. If you want to stick to the minimum installments throughout the year, supplement them with at least one big extra payment. If reported, the late payments and repossession can damage your credit score and make it harder to get credit in the future. Talk to someone Monday through Friday, 8am to 8pm ET, Saturday, 8am to 5pm ET, closed Sunday. We encourage you to review their privacy and security policies, which may differ from those of Reliant Credit Union. Pay as a guest Loan Number Last 4 of SSN Note that if you have high-interest credit card debt, its best to put additional money there youll save much more. Are you facing a temporary hardship, or is the car just not affordable? However, for those experiencing financial problems, having to pay a car loan can make owning a car seem more like a burden than a convenience. SunTrust Bank Auto Loan Payoff Address. Manufacturer Warranties Car Tax by State DMV Fees Bank Payoffs My Vehicle Title Get My Lost Title Bill of Sale Sales Report F&I Menu Loan Calculator Insurance Companies Roadside Assistance Alpha Bravo Mil Gov Pay Forms Underwriting About VW Warranty Jeep Warranty . It doesn't seem like much, but you can pay off car loan early by several months or even up to a year earlier. Coverage is available to protect you and your family from financial hardship due to death or disability. If you do not feel that you can afford to keep the car, it is better to sell it than to let it get repossessed. Payoffs | Bank Payoffs You want to work toward improving your credit score as much as possible. Auto Loans Home Equity Loans Debt Consolidation Personal Loans Credit Cards (1) Qualified borrowers may defer payments up to 90 days after loan signing. Are you spending more than you are earning? Interest will accrue from the date of the loan until payments begin. How We Can Meet Your Financing Needs: The right loan can change your life for the better. Truliant Federal Credit Union is a not-for-profit financial organization owned and operated by its members. Just send us a message and one of our knowledgeable support staff will be contacting you shortly. By coming to the CUDL AutoSMART website, you have taken the first step in helping yourself to find a better deal on your next vehicle purchase. Many people may not have the best credit score when they take out their car loans. We have bought multiple vehicles in the past. Truliant vs Secu for person Loan. We offer credit union auto loans, personal loans and debt consolidation loans that allow you to pay off your debt at a much lower rate, typically. If you are interested, you should call your lender, but keep in mind that not all lenders offer loan extensions. Lease buyout options are available. Our Online Loan Payment Service is free through Online Banking or can be accessed in our Guest portal with a fee of $7.00 per payment. Find below everything you need to know. It is also helpful to consider if you can get by without the car. Having the debt forgiven can increase your tax liability, though, since the IRS considers forgiven debt to be a source of income. Truliant offers a "Skip-a-Pay" program on its auto loans, which allows you to skip one payment per calendar year. The same result can be achieved with a loan modification if your current lender is willing to extend your loan and lower your monthly payment. First off we had an escrow and they didn't pay our. Having a safe and reliable car is a must. The loan payoff includes payoff fees (often around $15) and daily interest also knows as per diem. 2 personal loans and 1 car loan. If you are delinquent, avoid sending in a partial payment without talking to your lender first, since it may be rejected without a formal agreement. The total cost will be $21,579, and you'll end up paying $1,579 in interest payments. Now, what if you decided to pay an extra $122 a month for a total of $499 a month? Truliant is a registered trademark of Truliant Federal Credit Union. No extra trip to the credit union! 844-4TRUIST ( 844-487-8478 ), outside the U.S.: +1- 910-914-8250. Purchase new or used. All products and services available on this website are available at all Reliant Community Federal Credit Union full-service locations. Auto loan bank payoff list. Whether you're buying your dream home, your first car or just need extra funds, we promise to guide you to a loan that addresses your unique situation. Would you like to speak with one of our *CFS Financial Advisors or begin accessing your investments online? Qualified borrowers - can finance up to 130% . This increases your repayment period but eliminates the need to make extra payments to become current on the loan. Never missed a payment on any of them. "We are grateful for all of the local support that increased our ability to help Pilot Mountain State Park," said Debbie Vaden, president of the Friends of Sauratown Mountain. Your account must be in good standing to qualify for this program, and you'll need to pay a $30 fee. Using all the different strategies together will lead to even greater savings. Flexible terms up to 96 months2 90-day deferral payment3 Borrow up to 100% of the purchase price Buy your next car with confidence. The loan payoff and your account balance is not exactly the same. This sum is the amount you'll actually have to pay to satisfy the terms of your auto loan, which is different from your current balance. We offer credit union auto loans, personal loans and debt consolidation loans that allow you to pay off your debt at a much lower rate, typically. SunTrust transitioned to . Please choose one of the following options: Speak with a local Member Service Representative, Representatives are available during our call center hours:Mon-Thurs: 8:30AM-5PMFri: 8:30AM-6PMSat: 9AM-1PM, Take advantage of some of the lowest auto loan rates around, starting as low as 4.49% APR.*. Are you able to carpool or take public transportation to work? When you first fall behind, your lender may call you and/or send you letters in an attempt to collect the delinquent amount. Overnight Physical. You have goals. Our team is focused on finding solutions to achieve life, your way. Notice: SunTrust and BB&T have merged into Truist Bank. If we receive your completed application by 3:00pm on a business day, you will get a decision the same day. Think about what you want to do, then do it! Again, if you have additional funds to lower debt, we recommend paying off higher-interest debt first. What are your options? More importantly, as your local credit union, were committed to being here for you. , Truliant mortgage department is the worst ever. Conversely, if you make a late payment, your score will take a hit. And remember, most lenders, including Truliant, feature auto loans with no prepayment penalties. 100% financing of MSRP/NADA retail loan value plus the cost of sales tax and service contract available. At Reliant, you wont be kept waiting on a lending decision. The lender may be willing to set up a payment plan with you for the deficiency balance or try to collect the entire balance at once. Federally insured by NCUAEqual Housing Lender. Truliant then threatened to raise my rate if they didn't get the title which they are responsible for getting themselves. The rates were the best but the service was important to us as well. Purchase or refinance - borrow to buy your next vehicle or refinance the one you drive. What happens if you stop making car payments? Provision of the calculator on this page is not an offer of credit. Call 844-487-8478. If you are behind with payments, or worried you will be soon, assessing your financial situation and actively pursuing your options can help you make the best of a difficult situation. All rights reserved. I have had a couple loans through truliant. How long the lender will wait before repossessing the car depends on where you live and the specific policies of your lender. Looking for the ideal ride? SunTrust Bank payoff address. You probably agreed to the loan based on the affordability of the minimum payments. Although Reliant does not offer 0% financing, we suggest you ask the dealer if they can offer you a rebate instead. You will be linking to another website not owned or operated by Reliant Credit Union. Phone. Participating in this program results in up to a 90-day extension of the loan, maximum term 84-months. By taking advantage of the information and resources available on the website we hope to make your auto buying experience easier and more satisfying, as well, For more information about CUDL, contact us at Many people make an extra payment or two during the first few years of the loan to save on interest and pay it off sooner. So, if you're supposed to pay $301.25, round it up to $350. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations. You do not have to worry about lugging groceries on the bus or waiting 45 minutes for the train. Refinanced vehicle loans are available up to the remaining term of your existing loan with another financial institution; they are not available on existing Reliant auto loans. When you're striving to reach your goals, Truliant can help you achieve them as your financial partner. I'm now being punished because someone didn't do they're job. Rates and terms subject to change prior to consummation of the loan. You have goals. "Additionally, Truliant provided a generous gift at a key time for our signature campaign. You may not be able to control everything that happens in your life, but if you are struggling with your car payments, you have options you do not need to wait until your car is repossessed. If for example your loan payoff is . Reliant Credit Union is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. My credit score is in the 650s. You will be better able to determine an appropriate course of action if you know why you are struggling. As a credit union-owned service organization, we develop custom applications, training and marketing programs to help participating credit unions serve their members auto buying needs. Its use in no way guarantees that credit will be granted. The minimum payment would be $377 a month, and it would cost you $22,645 at the end of the loan. Dealer and consumer payoff address. This can save you around a thousand dollars or more in your total auto loan costs. The leading provider of indirect lending and point-of-sale services for the credit union industry and creator of the Credit Union Direct Lending (CUDL) program. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-724-9282 for assistance. If you are planning to get another car, you may be able to roll over the remaining balance into the new car loan. Call Us: 336-293-2457 Email Us: [email protected] If you are not sure if you can afford to keep your car, listing your income and expenses could be helpful. As you can see, there are many ways to pay off your auto loan early. And, if you're drowning in credit card debt, Truliant can help with that too. The length of time to pay off this credit card may be much greater than calculated if you enter a . Available to members in VA, NC, SC, OH, TN, FL and GA. Some content on this page cannot be displayed because you have JavaScript disabled. F&I Tools open share dealer guide. Call your lender. When you do this, your loan term is simply extended for an additional month. Other great rates and terms available. So, by paying an extra $122 a month, you'll save $1,066 compared to making the minimum payments for the 60-month term auto loan. Pay More Than the Minimum Payments You probably agreed to the loan based on the affordability of the minimum payments. Truliant FCU Chat 1-888-456-2227 LOGOUT LOG IN Toggle navigation Resources Programs Account Past Certificates Contact Log In Car Loan Javascript is required for this calculator. Overnight. Any profit earned by the credit union is returned to the members through greater access to free or discounted services, higher savings rates and lower loan rates compared to most for-pro Location & Hours 600 Green Valley Rd Get directions Common instances include tax refund time, company bonuses or other times when you have additional, disposable income. So I have 1 personal loan left with a balance of around 2k and the car loan. Can you make any changes to your expenses or income to make the payments more affordable, such as getting a part-time job or eating out less? This debt repayment method results in the lowest total interest cost. Guaranteed Asset Protection (GAP) coverage is also available. This holiday season, when you give the gift of life-long credit union membership, Reliant will add to the gift with a $50 deposit. Welcome to Truliant. This was the first time through Reliant, and everything was wonderful. If you are using Internet Explorer, you may need to select to 'Allow Blocked Content' to view this calculator. *Annual Percentage Rate (APR) applies to automatic payment for model years 2021 and newer with 36 monthly payments of $29.74 per $1,000 borrowed as of 11/1/2022. 100% Financing Borrow up to 100% of the manufacturer's retail price (new) or NADA value (used) of the vehicle you're buying, plus the cost of sales tax and extended warranty. We encourage convenient automatic payment from a Reliant account. Having a lower payment can help cash-strapped individuals who want to keep their cars, but because you are borrowing money for a longer period of time, refinancing can increase the total interest paid over the life of the loans. Using any of the early payment strategies will go a long way in helping you save money over the entire course of the auto loan. The more recent, frequent, and severe the lateness, the lower your score. Always check local credit union auto loan rates for a lower interest rate. Do you wish to continue? Visit one of our Member Financial Centers in North Carolina, South Carolina and Virginia, or call our Contact Center at 800.822.0382 to get started today. Another option would be to set up a repayment plan for the balance remaining on the loan. Credit Card Rewards: Money Maker or Money Taker. F&I Tools. Or get 24-hour automated assistance. But paying an extra $100 a month could mean you repay your loan a whole five years earlier, and only pay $8,855.67 interest. For those that fell behind due to temporary hardship, refinancing provides a way to become current without making extra payments. For example, let's say you took out a $20,000 loan at 5% interest for a 60-month loan term. Rates and terms subject to change prior to consummation of the loan. (1)Qualified borrowers may defer payments up to 90 days after loan signing. Check out our loan rates for some examples of how this could work for you! If your car sells for less than your loan balance, you will owe the lender the difference, called the deficiency balance. However, if you can pay a little more than these standard installments, it's possible that you can pay off car loan early, maybe a year or two earlier. If we receive your completed loan application by 3:00pm, well get back to you the very same day. Of course, you could also make a double payment, but many people do not have the funds to do that. Manufacturer Warranties Car Tax by State DMV Fees Bank Payoffs . In a repayment plan the lender collects a partial extra payment on top of your regular monthly payment until you have repaid the full delinquent amount. Refinancing is an option that may work for people in a variety of situations. Available to members in VA, NC, SC, OH, TN, FL and GA. This is a great way to save money on your auto loan if you're working with a limited monthly budget. As a credit union member, youre eligible to get a free insurance quote from TruStage for auto insurance. This makes closing a breeze. Copyright 2022 Truliant Federal Credit Union. That's why we've highlighted local Plus dealers to provide you with the following benefits: Transparency You borrow $40,000 with an interest rate of 4%. The following are the factors that are used to calculate your FICO score: Payment history (35%): Making your payments on time boosts your score. Saving money is just the beginning. Since, in most cases, you can sell the car for more than the lender can, you probably would not have to pay back as much as if you let the car get repossessed. Truliant NMLS #411251 3200 Truliant Way Winston-Salem, NC 27103 800-822-0382 CONTACT US | CALCULATORS | ABOUT US | RATES | MCC Login Federally insured by NCUA and Equal Housing Lender. Once a car is repossessed, it is usually sold through an auction. One option would be to ask the lender to forgive the difference between the amount that is left on the loan and what you sell the car for. Manage your loan any time of day or night with online banking or our mobile app. 3440 Flair Dr. El Monte CA 91731. If you absolutely need the car to get to work or run errands, it may make sense to sacrifice whatever you can to be able to keep the car. To ensure that your website session is secure and that you are able to experience the full truliant.org website, please, Consolidate your debt into a single, low-interest payment, Loan or line of credit that you can customize to help you reach your goals, No-cost credit review to help you understand your credit report and score. Your vehicle loan rate will be determined by your credit score, model year of vehicle, term of loan, and payment method. Selling a car is fairly straightforward if you can get at least enough for it to pay off your loan. Serving Monroe, Ontario, and Wayne counties, in New York State, with checking accounts, savings accounts, auto loans, mortgages, personal loans, credit cards, and more banking products and services. See if you can refinance your loan. The dealership never sent the title to Truliant. Loan term: The amount of time (in . To proceed, please enable active scripting for this site in your browser settings. When you are experiencing financial problems, it is easy to feel helpless. Truliant NMLS #411251 3200 Truliant Way Winston-Salem, NC 27103 800-822-0382 CONTACT US | CALCULATORS | ABOUT US | RATES | MCC Login Federally insured by NCUA and Equal Housing Lender. The loan is for 15 years. When it does go up, start talking to as many lenders as possible to see if you can refinance. Our team will work with you through lifes challenges, problem-solve whatever youre facing, and do our best to help you overcome. In a loan extension the lender takes the payments you missed or are asking to skip and adds them to the end of the loan. Its the easy way to build credit and stay on top of your everyday finances. You can also make payments through online banking from an account at another financial institution using that FIs routing & account number. Start with Basic (default) and use Advanced if needed Add the vehicle purchase price Enter the down payment you will provide Include the Loan Term (configured in months) Include the interest rate (check rate here) The calculator will update with each entry. 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