(Auto loan Interest Rates LOWER than Home Loans — This Strategy Converts!)
I secured $100,000 in personal funding and had the money deposited into my checking account within 24 hours. The crazy part? I don’t even bank with SunTrust — you don’t need to be a member to run this play.
💡 Funding Breakdown
Loan 1:
- Amount: $35,000
- APR: 5.19%
- Approval Time: Instantly approved within seconds of applying on my phone
- Funding Time: Deposited into my checking account the next morning
- No phone calls. No documents. Zero hassle.
Loan 2:
- Amount: $65,000
- APR: 5.14%
- Applied 5 months after Loan 1 (They cap at $100K total funding)
- I received an email to call in for verification. They asked me 3 simple questions:
- After uploading docs and completing a quick identity quiz, I was approved.
- Funds hit my account the next morning — again, EASY money.
✅ How to Run This Play (Takes 5 Minutes)
I’ve done this for clients with credit scores as low as 715.
They’ll pull your report from Equifax or TransUnion (check that your report is unlocked).
- Go to Lightstream.com (they’re SunTrust’s partner, but you don’t need an account with them)
- Choose Individual Application
- Under loan purpose, select Used Auto Purchase from Dealer (Trust the process — they never ask for a title or dealership info, even a year later)
- Enter your desired Loan Amount and Term Length
- Opt-in for AutoPay for a rate discount
- Provide Checking Account info for deposits & payments
- Fill in your Personal Info (Name, Address, Job, Income — make sure income comfortably covers your current debts + this loan)
- You’ll need a Visa or Discover Card for identity verification
- Ensure your credit reports are unlocked/unfrozen
- Submit the application — that’s it.
🎯 Final Tips:
- This strategy is best for credit scores 715+
- The rates stay locked in — no increases, no surprises
- Title or dealer info is NEVER requested
- I’ve done this for myself and for clients successfully — it works like a charm