After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan.
We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.
* The APR listed2.49% APR is for an unsecured auto refinance loan between $10,000 and $24,999 with a term between 24 and 36 months, for applicants with excellent credit.
Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding.
Rates under the invoicing option are 0.50% higher.
If your application is approved, your credit profile will determine whether your loan will be unsecured or secured.
Subject to credit approval.
Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
Refinance any make or model car, with LightStream.
Use a LightStream loan to refinance your existing higher interest loans at rates and terms that meet your current needs.
Virtually paperless process - eSign your loan documents and funds are directly deposited into your account.
I would just like to say THANK YOU for making this whole process completely seamless. I am going to make a point to review your service on other sites as well, but job well done! From the initial application, approval, funding etc., it has been such an easy process. I am going to recommend you guys to everyone I know! Thanks!!
Amazing experience! I reached out to LightStream because I'm buying my first boat and I can't say enough about how great this experience was. I submitted my application online on a Wednesday, got a call a few hours later that missed. Called them back in the morning the next day, answered a couple of questions they had, got an email 20 minutes later asking for me to attach my latest paystub, 20 minutes after I did that I got an email with approval. I could have had the money wired the next day if I chose. I held off because I was still negotiating with the broker on the boat. The whole process took less than 24 hours. To put it in perspective, I submitted an application with the broker to finance through his company two days before I submitted with LightStream... it's now been almost a week and I haven't heard back regarding the financing from the broker yet. I just told him to forget about it, I was going to pay cash. That helped the negotiations! I never, ever take the time to write reviews but this process was so easy, the customer service and responsiveness is by far the best I've ever had. If you're looking for a pleasant experience financing your next toy, you have to reach out to LightStream and see what they have to offer.
It’s common to pay too much interest on your vehicle loan. Once you find a lower rate, however, it’s just money out of your pocket if you don’t refinance. When you have good to excellent credit, LightStream presents the opportunity to easily lower your monthly payment with a friendlier rate. And with LightStream there are no prepayment penalties, and no fees whatsoever.
Lower Your Interest Rate: It makes sense to shop around for a rate that rewards solid credit. LightStream offers auto loan refinance rates starting from * APR with Auto Pay.
Choose Your Loan Terms: LightStream offers fixed rate auto refinance loans with flexible terms on loans from to . You choose the term and amount that works best for your financial circumstances.
Simple either way -- unsecured or secured: When you have excellent credit, you have earned the right to borrow without having to have a lien on your vehicle. For those with good credit, LightStream may offer you a secured auto loan. Either way, you’ll have a simple, streamlined loan process from start to finish, and exceptional customer service.
A Fast and Easy Loan - Your Best Ever: At LightStream, we pair great rates with a simple online loan experience that takes minutes to complete and often provides approved borrowers with money deposited directly into their bank account the same day they apply.† We believe it will be your best loan experience ever, and we back up that belief with our exclusive $100 Loan Experience Guarantee.
At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a 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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