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.
As of 11:59 AM, PST, December 1, 2017, we no longer participate in the Affordable Home Improvement Loan Program.
Our home improvement loan is available as an alternate product for your financing needs.
*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.
At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.
In addition, for every loan that we fund for our customers,
we will have a tree planted in one of our country's fragile habitat communities currently under restoration.
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