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About Us

TRUIST DISCLOSURE

Keeping you informed

Our goal is to keep you fully informed as SunTrust and BB&T move forward as Truist. In the coming months, you will receive additional information regarding how any changes will impact you. For now, please read the following information concerning your accounts.

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As you are aware, SunTrust Bank (“SunTrust”) merged with Branch Banking and Trust Company, a North Carolina banking corporation (“BB&T”) and the combined bank is now known as Truist Bank (“Truist”). Although now Truist, we will continue to operate under the SunTrust name for some period of time until our operating systems convert to Truist systems. While we continue to operate under the SunTrust name, you will receive correspondence and notices from SunTrust regarding your SunTrust accounts.
 

AMENDMENT TO DOCUMENTS

Effective on the date of the merger, any agreement, disclosure, form or instrument naming SunTrust as a party, constitutes a valid and binding obligation with Truist even though the documents reference SunTrust as the party in interest. The documents shall be read with Truist in place of SunTrust.

The terms and conditions of any agreement, disclosure, form or instrument shall remain in effect unless modified or amended in accordance with any such provision contained therein.

Consumer Privacy

Your privacy is important at Truist and we are committed to maintaining and protecting your personal information. After the merger date, accounts opened at SunTrust will continue to be governed by the SunTrust privacy policy up to the date of conversion of the operating systems to Truist. We will keep you informed as to any changes to the privacy policy that may occur upon conversion to Truist.

For any account opened after the merger date, you will still be able to manage your privacy choices for Truist to fit your particular needs.

Fraud Protection

Protecting your information and identity is our priority. SunTrust will never send unsolicited emails, phone calls or texts asking you to provide, update or verify your personal or account information, such as passwords, Social Security numbers, personal identification numbers (PINs), credit or debit card numbers. If you receive a suspicious call or if you believe your account security has been compromised, call us immediately at 800.447.8994.

Discover what you can do to avoid scams with the help of our security tools, tips, and resources on suntrust.com/security.

E H L Truist Bank is an Equal Housing Lender. © 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners.

LightStream A Division of Truist

An Online Consumer Lending Division of SunTrust Bank

Welcome to LightStream! We are a national online consumer lending division of SunTrust Bank, the flagship subsidiary of SunTrust Banks Inc., one of the nation’s leading financial services companies.

We believe that consumers who have established good credit have earned the right to a simple loan process and excellent rates.

LightStream delivers a revolutionary loan experience that allows customers to focus on their purchase, rather than on their financing. With our innovative lending products and proprietary technology, consumers with strong credit profiles can receive highly competitive, fixed rate financing via an easy, fast and virtually paperless loan process. From the convenience and comfort of their computer or mobile device, customers can apply, be approved, sign their loan agreement and receive their funds, as soon as the same day of their application.

Our customers tell us it’s quite amazing! And we’re so confident of our loan process that we provide a $100 guarantee that your loan experience will be your best, ever. Consider the possibilities. Finance your home improvement projects even if you don't have equity in your home or prefer not to use it. Purchase any auto and have the power to negotiate as a cash buyer. Refinance existing loans at a better rate. Finance an engagement ring, wedding celebration and a honeymoon! Plan a family. Pay Pre-K through Grade 12 private school tuition. Buy the timeshare you’ve dreamt about. Take off on your boat, RV or motorcycle to places you’ve always wanted to go. With LightStream it's a refreshingly simple process to finance practically anything.

Meet LightStream

A fixed rate loan for practically anything.

LightStream offers a unique lending solution that allows customers with strong credit to borrow funds for purchases that had previously required collateral, or that fall into categories where few or no loan options exist. With fixed competitive rates and flexible terms, a LightStream loan for $5,000 to $100,000 can be delivered directly to a borrower’s bank account, often as soon as the same day. There are no fees or charges, nor penalties for early payment.

You’ll find that your LightStream loan is cost-efficient, offered at a competitive rate, and in an environmentally friendly manner that is virtually paperless!

Apply today, we guarantee you won’t be disappointed.

A LightStream loan can be used for:

  • Car Loans & Refinance Loans
  • Home Improvement Loans
  • Pool Loans
  • Timeshare Financing & Vacation Ownership Loans
  • Boat Loans & Aircraft Financing
  • Fractional Loans
  • IVF Financing
  • Jewelry Financing
  • Medical & Dental Financing
  • Adoption Financing
  • PreK-12 Education Loans
  • Horse Loans
  • and almost anything else!
LightStream Loans

For the latest LightStream news, visit our Newsroom.

For press inquiries please contact mediarelations@lightstream.com.

For other questions, please vist our FAQ page.

Press Inquiries
Learn more about LightStream's support of American Forests.We Plant a Tree With Every Loan

When your customers need financing, we can help. Learn about LightStream's Affiliate Program.

Affiliate Marketing Program
See what our customers say about us.What Our Customers SayLightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time.

If you believe you have been approved by another lender for a lower qualifying rate, contact LightStream customer service. We will work with you to determine your Rate Beat eligibility and obtain the necessary documentation.
Rate Beat Program
After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan.

We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. Truist teammates do not qualify for the Loan Experience Guarantee.
Loan Experience Guarantee
Learn more about how LightStream loans can be used to finance:
*

Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 7/01/2021 to 9/30/2021. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Maximum APR for a LightStream loan is .

1

You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

2

After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. Truist teammates do not qualify for the Loan Experience Guarantee.


Business Hours (Eastern time)

Customer Service

Monday - Friday: 10 a.m. to 8 p.m. & Saturday: Noon to 4 p.m.

Saturday: Noon to 4 p.m.

Application Processing

Monday - Friday: 10 a.m. to 6 p.m.

Saturday & Sunday: 1 p.m. to 6 p.m.

Mailing Address
PO Box 117320
Atlanta, GA 30368-7320

E H L. Truist Bank is an Equal Housing Lender.
© 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo,
and the SunTrust logo are service marks of Truist Financial Corporation.
All other trademarks are the property of their respective owners. 
Lending services provided by Truist Bank.

LightStream


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