Your best loan experience guaranteed
or $100 is yours!

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 listed2.24% 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.

Refinance your existing loans

Competitive rates with flexible terms and no fees or prepayment penalties.

Loans from $5,000 to $100,000 with NO FEES!

How it works...

Virtually paperless process - eSign your loan documents and funds are directly deposited into your account.

Online loan process - from application to loan funding

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.

Annual Percentage Rates (APR)

Please enter an amount greater than
or equal to {{rates.MinLoanAmount | currency}}

Please enter an amount less than
or equal to {{rates.MaxLoanAmount | currency}}

Please enter a term greater than
or equal to 24

Please enter a term less than
or equal to 84

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

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

Rates quoted with Premier Banking Discount

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

Rates reflect {{rates.MarketingOrganizationName}} discount. Learn more >>

Loan Term (Months) *
Loan Amount {{term.Min}} - {{term.Max}}
{{row.LoanAmount.Min | lsLoanAmountMin}} to {{row.LoanAmount.Max | lsLoanAmountMax}}

Affordable Home Improvement Program loans cannot exceed $10,000.00.

Loan Terms:

Learn more about how LightStream loans can be used to finance:

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.

For every loan we plant a tree
×
LightStream
You Are Leaving LightStream.com

By clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream, a division of SunTrust Bank. The privacy policy, level of security or accessibility standards may differ from ours. We encourage you to review the privacy policy and security offered on the third-party site prior to providing any personal information. LightStream is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, partners, advertisers, products or services that are offered or expressed on third-party Web sites. You can click the Return to LightStream.com button now to return to the previous page or you can use the Back button on your browser after you leave.

Continue Return to LightStream.com