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  • Why LightStream?

    When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3

  • $100 Loan Experience Guarantee. Disclosure 1 to follow.

    At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

  • We will beat any qualifying rate. Disclosure 2 to follow.

    Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

Why LightStream?
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When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3
$100 Loan Experience Guarantee1
At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1
We will beat any qualifying rate.2
Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher.

Annual Percentage Rates (APR)

It's easy to find your rate.

Auto Loan Central

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Monthly Payment:
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Interest rate / APR:
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Rates quoted with Premier Banking Discount

(Exact rate within this range is determined by credit profile)

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
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{{term.Min}}-{{term.Max}} months:

Loan Terms:

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Low rates. Great service. That's Lending Uncomplicated.®

Get the low rate you deserve.

Starting as low as {{autoMinRate | percentage: 2}}%* APR with AutoPay when you purchase from a dealer, our fixed-rate used car loans feature flexible loan amounts from $5,000 to $100,000.

Be a cash buyer and get any car you want.

LightStream deposits funds directly to your account, which saves time at the dealer, and gives you the power to negotiate a better deal with any dealer or private seller.

Same-day funding available.3

With LightStream you’re in control of the lending process. You choose your funding date. In fact, you can even have funds deposited in your account as soon as the same day you apply.

We’ll beat any qualified rate.2

Many lenders claim to have low rates. How many will beat your lowest qualifying rate, from any lender? We will, because we’re truly confident that our rates are always competitive.

The LightStream experience

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

What our customers are saying about LightStream What our customers are saying about LightStream

Unsolicited customer comments

  • Comment 1 of 4

    Just want to say you guys are awesome. Great rates and super easy and you made it possible for us to acquire the vehicle of my wife’s childhood dreams. How cool is that!

    — J.B. from Woodstock, GA
  • Comment 2 of 4

    I am extremely satisfied with the whole process for my auto loan with LightStream. From the start of my application through funding, it was completely smooth quick and easy. The process was so effortless I would highly recommend and seriously consider this company for financing. The rates as well were very competitive and lower than the dealer where we purchased our vehicle.

    — M.W. from Grand Island, NY
  • Comment 3 of 4

    Sorry it’s taken me so long to say it but thank you for such a great lending experience. Last June I opened an account with you during the last part of my national search for my dream car, a 1960 Cadillac. The process was so simple and I appreciate the regular notices of automatic withdrawals and your commitment to nature through the partnership with American Forests as that’s important to me (not to mention the usual mountain of paper documents associate with lending as you’ve said you’ve nearly eliminated on your website). Too often, consumers only write to complain so I thought I’d make an effort to break that cycle and say great job and thank you again. It’s been great doing business with you.

    — S.E. from Bloomfield Hills, MI
  • Comment 4 of 4

    We just wanted to say that we are THRILLED with our loan. Even with our good/great credit ratings, most lenders would not offer a loan due to the age of the truck we were purchasing. Not only did LightStream fund our loan request, it was at a highly reasonable APR and the process was unbelievably easy. Thank you for exceptional service.

    — E.C. & J.C. from Pittsburgh, PA
Read more...
LightStream in the news LightStream in the news

Media coverage

  • Comment 1 of 4

    “LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

    — The Simple Dollar, "Best Online Personal Loan Companies for 2018"
  • Comment 2 of 4

    “Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank… LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

    — NerdWallet, "LightStream Auto Loans: 2018 Review"
  • Comment 3 of 4

    “LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

    — Magnify Money, "Where to Get The Best Personal Loan Rates Online"
  • Comment 4 of 4

    “… recognized based solely on surveys about the workplace completed by their employees. Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

    — San Diego Union Tribune, "2017 Top Workplaces"

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

What our customers are saying about LightStream What our customers are saying about LightStream

Unsolicited customer comments

  • Comment 1 of 4

    Just want to say you guys are awesome. Great rates and super easy and you made it possible for us to acquire the vehicle of my wife’s childhood dreams. How cool is that!

    — J.B. from Woodstock, GA
  • Comment 2 of 4

    I am extremely satisfied with the whole process for my auto loan with LightStream. From the start of my application through funding, it was completely smooth quick and easy. The process was so effortless I would highly recommend and seriously consider this company for financing. The rates as well were very competitive and lower than the dealer where we purchased our vehicle.

    — M.W. from Grand Island, NY
  • Comment 3 of 4

    Sorry it’s taken me so long to say it but thank you for such a great lending experience. Last June I opened an account with you during the last part of my national search for my dream car, a 1960 Cadillac. The process was so simple and I appreciate the regular notices of automatic withdrawals and your commitment to nature through the partnership with American Forests as that’s important to me (not to mention the usual mountain of paper documents associate with lending as you’ve said you’ve nearly eliminated on your website). Too often, consumers only write to complain so I thought I’d make an effort to break that cycle and say great job and thank you again. It’s been great doing business with you.

    — S.E. from Bloomfield Hills, MI
  • Comment 4 of 4

    We just wanted to say that we are THRILLED with our loan. Even with our good/great credit ratings, most lenders would not offer a loan due to the age of the truck we were purchasing. Not only did LightStream fund our loan request, it was at a highly reasonable APR and the process was unbelievably easy. Thank you for exceptional service.

    — E.C. & J.C. from Pittsburgh, PA
Read more...
LightStream in the news LightStream in the news

Media coverage

  • Comment 1 of 4

    “LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

    — The Simple Dollar, "Best Online Personal Loan Companies for 2018"
  • Comment 2 of 4

    “Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank… LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

    — NerdWallet, "LightStream Auto Loans: 2018 Review"
  • Comment 3 of 4

    “LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

    — Magnify Money, "Where to Get The Best Personal Loan Rates Online"
  • Comment 4 of 4

    “… recognized based solely on surveys about the workplace completed by their employees. Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

    — San Diego Union Tribune, "2017 Top Workplaces"

Lending Uncomplicated®

Only from LightStream.

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.

For every loan we plant a tree
LightStream
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