Loan Application

Progress

Note: 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.

Note: You can preview all pages of the application by clicking on the steps below. After you preview them, they must be completed in the order they appear.

Other "Annual" Income Changed

By selecting No, the income data that has been entered will be cleared. Do you still wish to change the Other Annual Income status on this application?

No Yes

Review your email address and other information below. Please make any necessary changes before submitting your application. Thank you.

Loan Information

Purpose:
Amount: {{LoanApp.LoanAmount | currency }}
Term: {{LoanApp.LoanTermMonths}} months
Payment: {{LoanApp.LoanPaymentType}}
Rate: {{LoanApp.InterestRateFrom | number:2 }}% to {{LoanApp.InterestRateTo | number:2 }}%

Edit loan information

{{ LoanApp.RequiresJointConsent ? 'Primary Applicant Information' : 'Applicant Information' }}

{{LoanApp.Applicants[0].FirstName}} {{LoanApp.Applicants[0].LastName}}
{{LoanApp.Applicants[0].EmailAddress}}
({{LoanApp.Applicants[0].Residence.PhoneNumber.AreaCode}}) {{LoanApp.Applicants[0].Residence.PhoneNumber.CentralOfficeCode}} - {{LoanApp.Applicants[0].Residence.PhoneNumber.LineNumber}}
{{LoanApp.Applicants[0].Residence.Address.AddressLine}} {{LoanApp.Applicants[0].Residence.Address.SecondaryUnit.Type | hideNotSelected}} {{LoanApp.Applicants[0].Residence.Address.SecondaryUnit.Value}}
{{LoanApp.Applicants[0].Residence.Address.City}}, {{LoanApp.Applicants[0].Residence.Address.ZipCode}}

Edit contact information

{{ LoanApp.RequiresJointConsent ? 'Your Information' : 'Co-Applicant Information' }}

{{LoanApp.Applicants[1].FirstName}} {{LoanApp.Applicants[1].LastName}}
{{LoanApp.Applicants[1].EmailAddress}}
({{LoanApp.Applicants[1].Residence.PhoneNumber.AreaCode}}) {{LoanApp.Applicants[1].Residence.PhoneNumber.CentralOfficeCode}} - {{LoanApp.Applicants[1].Residence.PhoneNumber.LineNumber}}
{{LoanApp.Applicants[1].Residence.Address.AddressLine}} {{LoanApp.Applicants[1].Residence.Address.SecondaryUnit.Type | hideNotSelected}} {{LoanApp.Applicants[1].Residence.Address.SecondaryUnit.Value}}
{{LoanApp.Applicants[1].Residence.Address.City}}, {{LoanApp.Applicants[1].Residence.Address.ZipCode}}

{{ LoanApp.RequiresJointConsent ? 'Edit your information' : 'Edit contact information'}}

Fiduciary Information

{{LoanApp.Applicants[0].Fiduciary.FirstName}} {{LoanApp.Applicants[0].Fiduciary.LastName}}
{{LoanApp.Applicants[0].Fiduciary.EmailAddress}}

Edit contact information

To submit your application, please read:
I/We have read and acknowledge receipt of LightStream's Statement on the Use of Electronic Records, via the link provided, and hereby agree to receive the loan agreement, all legally required disclosures, notices (including Privacy Policy), and other information related to this loan transaction in electronic form, and to use electronic signatures to sign any loan agreement.

Yes

In order to apply for a loan with LightStream, you need to select Yes above, acknowledging receipt of our Statement on the Use of Electronic Records and agree to receive electronic records and to use electronic signatures in any loan transaction.

By clicking "Accept and Submit" below, I/We:

acknowledge that loan proceeds cannot be deposited into a business or third-party account. Loan proceeds must be deposited into your personal bank account that is owned by the authorized signer(s) on the loan. Additionally, payments can only be made from your personal bank account.
acknowledge that the above application is submitted for the purpose of obtaining credit
certify that all information herein is true, complete, and correct
acknowledge that Truist Bank may require verification of certain application information in a form and substance satisfactory to Truist Bank, in its sole discretion
with respect to each phone number provided, consent to Truist Bank and affiliates, agents, and assignees contacting me (by any method, including automated dialing equipment or prerecorded messages) by calling, texting, or other electronic communication about my accounts with Truist Bank and affiliates, and
authorize LightStream to obtain a consumer report to be used in evaluation of my application and for any legitimate business purpose in connection with my ongoing accounts. I/we understand the consumer report may be used for purposes such as identity verification, fraud prevention, verification of application details including but not limited to income and employment, for review of scores and transactional information related to my credit history, and for LightStream’s marketing analytics, pricing models and account analytics. I/we authorize and instruct any person, including but not limited to all local, state or federal government agencies and/ consumer reporting agencies, to complete and furnish LightStream any information it may have or obtain in response to such credit, identity, income, or employment verification or fraud prevention inquiries. I authorize consumer reporting agencies to release to LightStream my income and employment information in accordance with this paragraph, and consent to the periodic re-validation of this information prior to or during the term of my account relationship. All of the information referenced in this authorization, along with this application, shall remain the property of LightStream, whether or not an account is opened.
authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to LightStream or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy to see how we treat your data.
Authorization for the Social Security Administration to Disclose Your Social Security Number Verification
I authorize the Social Security Administration (SSA) to verify and disclose to LightStream through Early Warning Services for the purpose of this transaction whether the name, Social Security Number (SSN) and date of birth I have submitted matches information in SSA records. My consent is for a one-time validation within the next 90 days.

A Florida documentary stamp tax , in the amount of {{LoanApp.FloridaDocStampTax | currency }} will be added to your loan amount then transmitted for payment on your behalf. Stamp tax is not included when determining loan interest rate.

Notice to California Residents: California Law (Cal Civ Code § 1812.30) requires that you be informed that if you are married, you may apply for a separate account.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Vermont Residents: Lender is engaged in loan production.

Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement under Wisconsin Stat. § 766.59 or a court decree under Wisconsin Stat. § 766.70 applied to marital property adversely affects our interest unless you furnish a copy of the agreement, statement or court decree to us or we have actual knowledge of such adverse provision before credit is granted. If you are making this application individually and not jointly with your spouse, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation.

See our Privacy Policy for how we handle your information.

For Rates, Select Loan Purpose

Annual Percentage Rates (APR)

Loan Term (months) ^*
Loan Amount	{{term.Min}} - {{term.Max}}
Loan Amount {{row.LoanAmount.Min \| lsLoanAmountMin}} to {{row.LoanAmount.Max \| lsLoanAmountMax}}	{{term.Min}} to {{term.Max}} months, {{ (row.Rates[$index] \| rateRange:rates.PurposeOfLoan) == 'N/A' && 'rates not available for this amount.' \|\| 'at '+(row.Rates[$index] \| rateRange:rates.PurposeOfLoan) }} {{term.Min}}-{{term.Max}} months:

Loan Terms:

*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.