Try LightStream.com, which is owned by SunTrust Bank. I've gotten two 60-month loans on vehicles that are 4-5 years old at 1.99% with no loan fee. The funds were in my account the next business day and I'm set up for auto payments. Also, even though the purpose of the loan is to purchase a car, they did not place a lien against the title, so mine are free and clear. They cater to low-risk borrowers.
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