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Financing with more options included.

Your good credit lets you shop as a cash buyer.

In addition to negotiating your best price on a new vehicle, Carjojo also helps you find the right financing. We have partnered with LightStream, the online lending division of SunTrust Bank, to give good-credit customers a refreshingly simple loan experience.

LightStream gives you:
· Transparency—See rates and preview monthly payments before you apply.
· Simplicity—It takes minutes to apply, and you can have up to $100,000 in your account as soon as today.1
· Flexibility—Joint applications accepted.
· Guarantee—Their lowest rate available is backed by the Rate Beat Program.2

Get more negotiating power as a cash buyer, and get behind the wheel faster. As an added bonus, your Carjojo negotiation service is FREE when you’re approved for a LightStream loan!

Select LightStream as your financing option at checkout to get your free negotiation service.

Terms & Conditions

*All loans are subject to credit approval by LightStream. If approved, your APR will be based on loan purpose, amount, term and your credit profile. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
1You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.
We are so confident in the competitiveness of our interest rates that we will beat an interest rate (APR) presented by any other lender by .10 percentage points, if the other lender’s rate meets the terms and conditions described below:


· The lender’s interest rate (APR) must not be supported by any third-party arrangements such as vehicle manufacturer subvention payments (with rates as low as 0.0% APR), other manufacturer discounts, rate buy-downs by car-buying services, or any other similar third-party subsidized rate offerings.
· The lender’s interest rate offer must be generally available to all of its customers who share a similar credit risk profile (so that employee-discount programs or other special, limited lending programs would not qualify).
· LightStream will offer a rate that is .10 percentage points below the specific rate offered by a competing lender.


· The interest rate (APR) must be for the same loan amount, loan term, loan purpose and payment method (auto debit or invoice) that are being offered by LightStream.
· The offer applies to fixed-rate loans only. Variable-rate loans do not qualify.
· You need to be approved for the other lender’s interest rate (APR).
· If requested by us, you will need to supply LightStream with evidence, to its satisfaction, that the lender’s lower interest rate (APR) meets the Rate Beat program terms and conditions described here. This could include an approval letter, loan document containing the APR, or other documentation that LightStream finds sufficient.
· This offer expires if the terms and conditions are not satisfied prior to 2 p.m. Eastern time on the business day prior to loan funding.
· These Rate Beat program terms and conditions are subject to change at any time.

If you have been approved by another lender for a lower qualifying rate: Customers who have already been approved for a LightStream loan can contact LightStream customer service. We will work with you to determine your Rate Beat eligibility and obtain the documentation we need on your competitive rate.

SunTrust Bank is an Equal Housing Lender. ©2018 SunTrust Banks, Inc. All rights reserved. SunTrust, and LightStream are federally registered services mark of SunTrust Banks, Inc. All other trademarks are the property of their respective owners. Lending services provided by SunTrust Bank, member FDIC..

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