Auto Loan Rates

All rates are quoted as Annual Percentage Rate (APR)* and are accurate as of
August 1, 2018. Rates are subject to change without notice.
 

Autos, Trucks and Vans

New & Prior model year up to 18,000 miles.
 
Percentage
Financed
36 Month
as low as
48 Month
as low as
66 Month
as low as
72 Month
as low as
84 Month**
as low as
100% 2.49% 2.75% 2.99% 3.25% 4.00%
90% 2.39% 2.65% 2.89% 3.10% 3.89%
80% 2.25% 2.49% 2.75% 2.99% 3.75%
 

Pre-Owned Autos, Trucks and Vans

Model years 2013-2017 pre-owned vehicles.
 
Percentage
Financed
36 Month
as low as
48 Month
as low as
66 Month
as low as
72 Month
as low as
84 Month**
as low as
100% 3.00% 3.25% 3.50% 3.74% 4.45%
90% 2.85% 3.10% 3.35% 3.60% 4.35%
80% 2.74% 3.00% 3.25% 3.50% 4.25%
 
Model years 2012 pre-owned vehicles.
 
Percentage
Financed
Minimum Amount
Financed
Up to 48 Month
as low as
Up to 66 Month
as low as
up to 100%*** $3,000 6.25% 6.50%
 
*Loan rate and percent financed is based on LBS Financial credit approval. All loan rates quoted as annual percentage rate (APR). All loans exclude add-on insurance.
 
Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account . New vehicle rates also reflect a 0.25% discount for a new auto purchase (2018 or newer) through the Surrogate Auto Shopper

A loan at 2.75% APR for 60 months will have a monthly payment of $17.86 per $1,000 borrowed  or a $357.20 monthly payment. New vehicle loan amount may not exceed 100% MSRP plus taxes, license, warranty up to $2,000 for 2 wheel drive and $2,500 for 4 wheel drive and GAP up to $800. Used vehicle loan amount may not exceed 100% of retail Kelley Blue Book value plus taxes, license, warranty up to $2,000 for 2 wheel drive and $2,500 for 4 wheel drive and GAP up to $800. Some restrictions apply.

** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2012 and newer of $20,000 or more and for FICO scores of 625+.
 
***2012 and older vehicle loan amount may not exceed 100% of wholesale Kelley Blue Book value plus taxes, license, warranty up to $2,000 for 2 wheel drive and $2,500 for 4 wheel drive and GAP up to $800. Some restrictions apply.

 

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