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 listed2.19% APR is for an unsecured dealer used auto 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.
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.
If you are planning to purchase a classic/used auto from a dealer, read on. If you will be purchasing a used car from a private party, click here.
You’ve earned it: The classic car you want, with a low interest rate that reflects the timely, responsible way you’ve always handled your finances. Whether you prefer a muscle car, a hot rod, or something vintage or antique, LightStream brings the collector car you’ve always wanted within reach.
An Unbeatable Rate: Borrowers with good to excellent credit deserve competitive interest rates. LightStream offers low, fixed rates starting at just * APR with AutoPay on loan amounts ranging from to .
No Restrictions: You can use your LightStream loan to finance any classic car, from any seller, regardless of make, model, year, mileage and loan-to-value.
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 loan solution, you’ll have a simple, streamlined loan process from start to finish, and exceptional customer service.
Your Best Loan Experience Ever. Guaranteed: Our online loan application takes minutes, and you’ll hear back from us within minutes (during business hours). Approved applicants can often have money deposited into their bank accounts the same day they apply for the loan.† It’s a unique experience, backed by 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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