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.
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.
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