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SunTrust banking has all your financial needs in one place. Their online banking program allows you to apply for loans, make payments, budget your money, and even read up on helpful financial advice. They offer low APR, extended terms, and up to $100k loan amounts. SunTrust has a high standard of community commitment and believes in socially responsible loans.

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The Good

  • Great financial tools
  • Extended terms up to 84 months
  • Fixed interest rates

Great Website

The best part about SunTrust banking is their website. They have loaded their website with financial calculators to make sure you are in control of your assets. On their website you can look up credit building tips or browse retirement plans. If their endless information is too much, you can easily chat with a customer service agent. When it comes to car loans, you simply submit your loan information online and within 24 hours you could have your approval.


  • Upon approval, e-sign your loan and have the money in your account that day
  • Guaranteed positive experience (they will give you $100 if this isn't the best loan experience you've ever had)
  • Low fixed interest rates


SunTrust also offers 1.74 percent APR, which are relatively low in the industry. They also have extended terms of up to 84 months, which is uncommon in comparison to other auto loan companies. Customers can receive auto loans up to $100k, which makes it possible to buy almost any car a customer could want. SunTrust's great offerings make it simple for customers to get through the auto loan process and into the car they need.

The Bad

  • Customer service is lacking
  • Lack of Transparency

Lacking Customer Service

Since SunTrust banking has such extensive online software available, they lack customer service representatives. You can chat online with them; however, if you have an issue and need to call in, you might be looking at a long wait on the phones. SunTrust also believes in responsible lending, which sounds positive unless you have bad credit. Most of their advertised APR come with a disclaimer that excellent credit is necessary to receive the loan.

Lack of Transparency

While SunTrust has a lot of great aspects, they are missing a lot of information we like to see. When potential customers are shopping around for the best company that fits their needs, it's important that they have all of the information they need to make the most educated decision. We would like to see SunTrust be more upfront about their application fees, mileage limits, early-pay penalties, and bad credit loan options. This lack of information also makes it difficult for our team to rank SunTrust's services fairly.

The Bottom Line

SunTrust offers a lot of great aspects such as their low APR, extended terms, and high loan amounts. However, we would like to see the company be more transparent with pertinent information and improve their customer service experience. Overall, we would recommend SunTrust banking for your car loan. This company is tried, tested, and true. Not many banks would guarantee that you will have a positive loan experience, and a convenient online format. Check out SunTrust for your auto loan needs.

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