<prompt> Human: So I have been in the market for a used car for my wife. I just returned my leased Nissan Leaf as its now out of warranty.My investments currently have been averaging about 14 per year so I decided that rather than dipping into my cash to buy the car used, 15K Id look into auto loans.My bank Suntrust told me about Lightstream. They offer UNSECURED auto, home, etc. loans. I went online and within 5 minutes had a 15K loan at 2.19 APR. Just WHAT?So my question is, how is this even possible? How can they possibly stay in business doing this? I had my cash within 24 hours. No lien, no nothing, just cash in exchange for my promise to pay. Thats INSANE. Its basically a personal loan for 2.2. Why isnt every single person doing this, thats less than my mortgage rate!  <response>: You probably have good credit, income, and some personal assets they can sue for if needed. Youre in the minority in this country.If thats true, your hard work and credit responsibilities have paid off 