Auto Loan Rates
All rates are quoted as Annual Percentage Rate (APR) and are accurate as of March 1, 2010. Rates are subject to change without notice.
Take advantage of our Drive Away Discount and reduce these rates by an additional .50% through 03/31/10. Click here for more information!
Autos, Trucks and Vans
New & Prior model year up to 15,000 miles
| Percentage financed | 36 Months as low as | 66 Months as low as | 72 Months as low as | 84 Months* as low as |
| 100% | 5.50% | 6.00% | 6.25% | 6.50% |
| 90% | 5.40% | 5.74% | 6.00% | 6.25% |
| 80% | 5.24% | 5.65% | 5.74% | 6.15% |
Pre-Owned Autos, Trucks and Vans
Model years 2005-2009 pre-owned vehicles
| Percentage financed | 36 Months as low as | 66 Months as low as | 72 Months as low as |
| 100% | 5.74% | 6.25% | 6.50% |
| 90% | 5.64% | 6.00% | 6.25% |
| 80% | 5.50% | 5.74% | 6.00% |
Model years 2004 and older pre-owned vehicles
| Percentage financed | Min amount Financed | Up to 48 Months as low as | Up to 66 Months as low as |
| up to 80%** | $3,000 | 10.00% | 11.20% |
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 quoted reflect a .25% discount for automatic transfer from an LBS Financial Checking or Savings account. An additional .25% discount may be added for new a auto purchase through the Surrogate Auto Shopper program.
A loan at 5.24% APR for 36 months will have a monthly payment of $30.10 per $1,000 borrowed. 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 wheel drive and GAP up to $500. 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 $500, nor may it exceed a 72 month term. Some restrictions apply.
* $25,000 minimum financed on an 84 month loan.
**2004 and older pre-owned vehicles financed at 80% of Kelley Blue Book wholesale plus taxes, license and warranty.
