Do you know if credit bureaus interpret that differently than a secured auto loan?
In other words, I would think a personal loan is a riskier type of debt because.. I mean personal loans are for people with riskier financials, no?
LightStream. They're a subsidiary of Suntrust and they had good reviews. It says they target people with good credit profiles and have high lending criteria. Was also a very easy sign up process. Got approved within 10 minutes of applying with the option of being funded same day.
I remember this company having 1.99% unsecured loans from a Bogleheads thread. They can randomly audit you to see if you used the funds as stated, in this case you must have selected use on a car, and if not they can jack up the rate to some other category.