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You can preview all pages of the application by clicking on the sections of the progress bar below. After you preview them, they must be completed in the order they appear.
In order to apply for a new LightStream loan, a current physical address or improved property address is required. We are unable to originate new loans using a PO Box or International address. If approved and funded, you will have the ability to update your address back to your mailing address.
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To Qualify: You have Good Credit including sufficient income and assets to support your existing debt obligations and requested loan amount.
Note: LightStream loans are not available to non-resident aliens.
To Apply: You need to 1) acknowledge receipt of our Statement on the Use of Electronic Records (click to review); 2) agree to receive electronic records; and 3) agree to use electronic signatures to sign your loan agreement.
If Approved: Prior to receiving loan proceeds, you must have a valid Visa or MasterCard credit card (for verification purposes only, no charges will be applied).
Use of Loan Proceeds: Loans are only made to individuals, not to businesses. Loan proceeds must be used for the loan purpose selected on the application.
*Payment Example: Monthly payments for a $20,000 used auto loan at 2.5% APR for a term of 5 years would result in 60 monthly payments of $354.95. Subject to credit approval. Advertised rates and terms are subject to change without notice.