@Anonymous wrote:
I am not sure I can help anymore. If they are still asking for information your loan is not final. Many, many folks sign for a loan initially and do a finance through a different bank a few days later. Your choices are provide Suntrust with the information and take their loan or finance with a credit union or other bank. I really think your making this more complicated than it is. I understand your new to it and it can be confusing but there is never a time that you cannot finance with a different bank. Even if Suntrust finanlized the loan you can still finance through a CU or bank, they will just send the check to Suntrust instead of the dealer.
I agree 100%, and the only time I have ever heard of a financial institution requiring the title to finance a vehicle is if it is being purchased from an individual...or is a title loan. Here at least, I can get financing from local credit union without a title, if it is from a dealer...new or used. I never even see a title until the lein is satisfied. I wonder what State the OP is from? If credit unions there require the title to do the financing, this might be a State I would avoid. This is the 21st century, with wire transfers, electronic documents and such. Do credit unions there really have a bunch of file cabinets full of car titles? Hope they never have a fire...loan canceled. The only purpose for a State Highway Dept. issued title here is so an individual can sell the vehicle to another individual or dealership.
TU fico08=812 07/16/23
EX fico08=809 07/16/23
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Unknown score from EX=784 used by Cap1 07/10/20
