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.

Finance any collector car, from any seller.

Funds deposited directly into your account so you can negotiate the right price for your automobile.

Negotiate as a true cash buyer

Business hours are Monday through Friday, 9:00 a.m. to 8:00 p.m. and Saturday, Noon to 4:00 p.m. Eastern time.

Quick response during business hours

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

Loans from $5,000 to $100,000

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.

Current Annual
Percentage Rates (APR)

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

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Rates quoted with Premier Banking Discount

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

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
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