Auto Loan Rates

Auto Loan Rates

All rates are quoted as Annual Percentage Rate (APR) and are accurate as of May 1, 2008. Rates are subject to change without notice.

Autos, Trucks and Vans

New & Prior model year up to 15,000 miles

Percentage financed36 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 2003-2007 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 2002 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 9.75% 10.95%


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 OR a .25% discount for new 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. Promotional loan rates and/or auto rebate not available on existing LBS Financial loans. Some restrictions apply.

*2002 and older pre-owned vehicles financed at 80% of Kelley Blue Book wholesale plus taxes, license and warranty.


Transfer your vehicle loan
Get a great rate and extra cash!