The One That’s Right for You
Owning the perfect car for your needs is important, but so is selecting the right loan. We know you have places to go, so we’ll help you get an auto loan with rates and payments to fit your life. At LBS Financial, we want you to win at car ownership.
Let us Help You Shop
Not sure where to begin? We have three great partners to help you find a car:
- Research new or pre-owned cars online through LBS Financial AutoSMART and finance with us at the dealer.
- Use our Surrogate Auto Shopper, Denise Gediman, to help you find your new car—and save 1/4% off your rate. Just call 800.339.9034 or email her with the type of car you are searching for to firstname.lastname@example.org (do not include personal information).
- Find certified pre-owned cars through our partner, Enterprise Car Sales.
When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.
We process most applications within one business day. Applications received over the weekend or holidays are processed the next business day. You may check your status by calling us.
LBS Financial will release the lien and the DMV will print and mail the title to the last known address of the person with the loan.
Yes. On time payments mean a higher credit score. LBS Financial reports borrower, co-borrowers, guarantors, and co-signers payment habits to all three major credit bureaus: Experian, Equifax and TransUnion.
You have options. You can use our Mobile or Online Banking services to pay from one of your accounts at LBS Financial. Use Mobile Deposit within Mobile Banking to take a picture of a check from your other financial institution and apply to your loan payment here. You can also transfer money from another financial institution using LBS Autopay or a number of Bill Pay services from other financial institutions. Mail us a payment or call and pay by phone, just keep in mind there are fees for paying by phone.