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

Your car is an expression of you, so it has to be just right. Whether you're buying, refinancing or looking to turn your lease into a loan, SunTrust has it all. When you have good credit, you can get a simple, low-interest loan from LightStream, our online lending division. The process is fast and effortless—no fees, no hassle and same day funding available3. Get behind the wheel of your dream car today.

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

"This was a pleasant surprise. I had no idea how easy everything would be. They did everything they said they would exactly how they said. It was quick and easy and would definitely suggest this site to anyone interested in auto loan."

— T.R. from West Monroe, LA

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Important Information About These Products

1 We are so confident in the competitiveness of our interest rates that we will beat an interest rate (APR) presented by any other lender by .10 percentage points, if the other lender's rate meets the terms and conditions described below:

Terms:

  • The lender’s interest rate (APR) must not be supported by any third-party arrangements such as vehicle manufacturer subvention payments (with rates as low as 0.0% APR), other manufacturer discounts, rate buy-downs by car-buying services, or any other similar third-party subsidized rate offerings.
  • The lender’s interest rate offer must be generally available to all of its customers that share a similar credit risk profile (so that employee discount programs or other special, limited lending programs would not qualify)
  • LightStream will offer a rate that is .10 percentage points below the specific rate offered by a competing lender

Conditions:

  • The interest rate (APR) must be for the same loan amount, loan term, loan purpose and payment method (auto debit or invoice) that are being offered by LightStream. The offer applies to fixed-rate loans only. Variable-rate loans do not qualify.
  • You need to be approved for the other lender’s interest rate (APR)
  • If requested by us, you will need to supply LightStream with evidence, to its satisfaction, that the other lender’s interest rate (APR) meets the Rate Beat program terms and conditions described here. This could include an approval letter, loan document containing the APR, or other documentation that LightStream finds sufficient.
  • This offer expires if the terms and conditions are not satisfied prior to 2 p.m. Eastern time on the business day prior to loan funding. These terms and conditions are subject to change at any time.

2 Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured. 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 3.04% APR with a term of 3 years would result in 36 monthly payments of $290.99.

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.

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