https://www.lightstream.com/ I found this on Boglehead forum. Word is you can borrow up to $100k unsecured (no collateral) towards a new car purchase. Application is done online, you need excellent credit, and money will be deposited ACH push to your account. You can reduce your student loan to 1.99%!? (ethically wrong lol) Looks like many people already took advantage of it.