When you head to the dealership to buy a new car, why not go with cash in hand? A New Auto Loan from LightStream, our national online lending division, gives you fast access to funds so you’ll have the power to negotiate your new car purchase as a cash buyer at the dealership.
"First off, this is been the easiest financial transaction—ever! I'm looking forward to the confidence that having my financing ready to go for car shopping will give me. Thank you."
— R. K. from Winslow, AR
|What can you use this loan for?||This loan can help you negotiate your new-car purchase at a dealership.|
|Loan Amount||$5,000 to $100,000|
|Interest Rate||As low as 2 APR with AutoPay|
|Loan Term (months)||24 to 84 months*|
|How to Apply||Complete online process: application to funding|
|Access to Funds||Same day funding available4|
|What can you use this loan for?|
|This loan can help you negotiate your new-car purchase at a dealership.|
|$5,000 to $100,000|
|As low as 2 APR with AutoPay|
|Loan Term (months)|
|24 to 84 months*|
|How to Apply|
|Complete online process: application to funding|
|Access to Funds|
|Same day funding available4|
You will receive a response shortly (during business hours).
Accept Loan Agreement
Once approved, e-sign your loan agreement and set up your loan for funding.
That's it! Use your loan
Receive your funds as early as today4.
Important Information About These Products
1 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 4.00% APR with a term of 3 years would result in 36 monthly payments of $295.24.
3 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.
4 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.
Based on various factors, determine how much you can afford to spend on a car.
Determine what loan will save you more by comparing the term and interest
The size of your monthly payment depends on loan amount, loan term, and interest rate.
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