Auto Loans & Car Financing

New, used, classic—buy the car you want with confidence.

Whether you're buying, refinancing or looking to turn your lease into a loan, SunTrust has it all. The process is fast and effortless—no fees, no hassle and same day funding available3.

"It has been such a pleasure to work with LightStream for an auto loan. It was very quick and easy to apply online and get a very rapid response. My SunTrust account was funded that very same day and I was able to take the car home." — E.B. from Miami, FL

Used Auto Loan from a Dealer

Put yourself in the driver’s seat with a used auto loan rate as low as 2 APR with AutoPay.

New Auto Loan

Drive your new car home with new auto loan rates as low as 2 APR with AutoPay.

Auto Refinance

Refinance your auto loan with a rate as low as 2 APR with AutoPay.

Classic Car Loan

Take the wheel with a rate as low as 2 APR with AutoPay on a classic car loan.

Auto Lease Buyout

Buy out your existing car lease with a rate as low as 2 APR with AutoPay.

Start moving forward with a SunTrust checking account.

Find the account that's right for you.

Student Loan Options

Choose from several private student loans with customizable options to fit your needs.

Take a step toward financial confidence.

Join the onUp Movement today.

Important Information About These Products

LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. The Rate Beat program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. Terms are subject to change at any time. 

2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

* Payment example: Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17.

3 You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

4 After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.

Loans Resource Center