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Loan Application



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.

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Basic Requirements

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.


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?

If you are relying on the income or assets of a spouse, domestic partner, or another individual, please complete a joint application. Thank you.

By selecting "Joint," you are applying for joint credit and are relying on joint income and assets as the basis for repayment of the credit requested.

Please verify your information—you will not be able to edit your application once it is submitted.

Note: You may only update your personal information. To edit any other fields, please restart your application.

By selecting "Individual," you are applying for individual credit in your name and are relying on your income and assets and not the income or assets of another person as the basis for repayment of the credit requested.

By selecting “Fiduciary”, you (as Power of Attorney, Guardian or Conservator) are applying on behalf of someone else (the Principal), and the Principal's income, assets, and credit information will be used for the application.

Please select an application type.

If other, please describe. Please note that loans are only made to individuals, not to businesses.

Please note that we are currently unable to 1) provide loans used to fund college or post-secondary education expenses, or 2) refinance previous college or post-secondary education loans.

Please select a loan purpose

Please describe your loan purpose

Please enter your zip code.

Zip code entered not found, please review your zip code and enter your state of residence.

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.

In your area, Truist offers additional loan options which may include different underwriting guidelines, product terms, fees and pricing. You can learn more by calling 844-4TRUIST or visiting a Truist branch.

We do not accept military residential addresses.

Please enter an amount.

Please enter an amount between {{LoanAppRates.MinLoanAmountHint || rates.MinLoanAmountHint | currency}} and {{LoanAppRates.MaxLoanAmountHint || rates.MaxLoanAmountHint | currency}}

Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for excellent-credit applicants.

Please enter a term.

Please enter a term between {{rates.MinTerm}} and {{rates.MaxTerm}} months

Please remember to include any additional tax, titling, or registration fees in your requested loan amount.

Please note: Credit Card/Debt Consolidation loan terms greater than 60 months with a loan amount of less than $25,000 are only available for excellent-credit applicants.

Please select a Payment Method



Please select a payment method.

Monthly Payment: {{LoanAppRates.EstimatedMonthlyPayment.Min | currency }} to {{LoanAppRates.EstimatedMonthlyPayment.Max | currency }}

Interest Rate/APR: {{LoanAppRates.Rate.Min * 100 | number:2 }}% to {{LoanAppRates.Rate.Max * 100 | number:2 }}%

Exact rate within this range is determined by your credit profile.

See our Privacy Policy for how we handle your information.

Annual Percentage Rates (APR)

Based on your selected loan purpose, below is a table of loan terms and available rates.

Loan Term (months) *
Loan Amount
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.

Every time LightStream funds a loan for a customer, we plant a tree. In partnership with American Forests, we've planted more than a million so far. This has helped restore and protect fragile wildlife habitats across America. Safeguarding the environment and preserving wilderness areas is essential for our future. The team here at LightStream is proud to be doing something that will make a different for generations to come.

For every loan we plant a tree
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