Auto Loan Rates

All rates are quoted as Annual Percentage Rate (APR)* and are accurate as of September 1, 2019. 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
75 Month
as low as
84 Month**
as low as
100% 2.45% 2.95% 3.20% 3.45% 3.70%
90% 2.35% 2.85% 3.10% 3.35% 3.60%
80% 2.25% 2.75% 3.00% 3.25% 3.50%
 

Pre-Owned Autos, Trucks and Vans

Model years 2014-2018 pre-owned vehicles.
 
Percentage
Financed
36 Month
as low as
48 Month
as low as
66 Month
as low as
75 Month
as low as
84 Month**
as low as
100% 2.90% 3.40% 3.65% 3.90% 4.15%
90% 2.80% 3.30% 3.55% 3.80% 4.05%
80% 2.70% 3.20% 3.40% 3.70% 3.95%
 
Model years 2013 pre-owned vehicles.
 
Percentage
Financed
Minimum Amount
Financed
Up to 36 Month
as low as
Up to 48 Month
as low as
Up to 66 Month
as low as
up to 90%*** $5,000 5.90% 6.40% 6.65%
 

*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. 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. 

 

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 3.00% APR for 66 months will have a monthly payment of $16.46 per $1,000 borrowed  or a $329.20 monthly payment based on an amount financed of $20,000 . New vehicle loan amount may not exceed 100% MSRP  including taxes plus and license, PLUS warranty up to 2,500 for 2 wheel drive and 3,000 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. Used vehicle loan amount may not exceed 100% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, GAP up to $1,000, and pre-paid maintenance up to 1,000. Some restrictions apply.

** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2013 and newer of $20,000 or more and for FICO scores of 625+.

 

***2013 and older vehicle loan amount may not exceed 90% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, and GAP up to $1,000, and pre-paid maintenance up to $1,000. Some restrictions apply.

 

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Accepts Deposits: Yes

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