Promotions

*New auto years 2026 or newer and used autos are for model years 2019 to 2025. See separate rates for autos, trucks, and vans 2018 or older.

New and used auto rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. New or used vehicle loan amounts offered up to 120% loan-to-value (LTV), based on MSRP or Kelley Blue Book, including tax and license PLUS warranty, GAP, and maintenance up to $3,000 and $3,500 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1,000. Some restrictions apply.

A loan at 4.99% APR for 66 months will have a monthly payment of $17.36 per $1,000 borrowed or a $347.30 monthly payment based on an amount financed of $20,000.

**APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers. Lowest rate offered may require 10% down payment. Rates subject to change. Approved rate honored for 7 days from date of approval. Max age of any vehicle is limited to 15 years.

***$20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2019 and newer of $20,000 or more and for FICO scores of 625+.

*APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers. Minimum amount financed of $5,000.

Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account.

A loan at 8.44% APR for 66 months will have a monthly payment of $18.99 per $1,000 borrowed or a $379.83 monthly payment based on an amount financed of $20,000. 2018 and older vehicle loan amount may not exceed 90% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $3,000 for 2 wheel drive and $3,500 for 4 wheel drive, and GAP up to $1,000, and pre-paid maintenance up to $1,000. Some restrictions apply.

Rates subject to change. Approved rate honored for 7 days from date of approval. Max age of any vehicle is limited to 15 years.