Mark, It doesn't matter where you buy the car, it matters where you live. Suntrust can give you a private loan & you basically are paying cash for the vehicle when you get there. 5thThird has some STUPID low rates on used cars right now. Getting a car loan is just like getting a car - shop around for the right deal. At the end of the day, no one cares where the check is cashed, only where the car is liened.