I was just chatting online with a Sun Trust rep regarding a used car loan and thought I would share what he wrote:
The current interest on the SunTrust Automobile loan ranges from 9.75% to 15.00% depending upon your credit. SunTrust is a credit based lender and we do look for good credit standing in the decisioning process (traditionally at least a 650+). Now, our loan advantages include one of the quickest approval processes around. We have repayment options designed to fit your budget. There are convenient ways to make your payments – by mail, at your local branch or directly from your SunTrust deposit account.
So, apparently they consider a 650 and above a "good credit standing". I did ask if that meant that someone with a 650 would get a 15% interest rate and he said not necessarily - they also look at debt to income ratio.