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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 listed5.99% APR is for an unsecured miscellaneous/other purpose 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. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Build on, invest in, or even preserve your dream property.

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

Online loan - from application to loan funding

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

Loans from $5,000 to $100,000

How it works...

What our customers are saying...

Build on, invest in, or even preserve your dream property.

Found the perfect spot to build a home, but don't yet have plans for your house drawn up? A land loan with LightStream allows you to purchase property without the pressure of having to complete your home right away. Or, if you own land already, you can use the funds to improve it.

  • A great interest rate: Our land purchase financing loans range from to , with low, fixed-interest rates starting from * APR with AutoPay.

  • No down payments, no fees: Some lenders will offer a competitive interest rate up front, only to surprise you with a sizable down-payment requirement. LightStream doesn’t require a down payment or charge fees or prepayment penalties of any kind.

  • An exceptional borrowing experience: The LightStream online loan application takes minutes to complete. You’ll receive a quick response from us within business hours and, if approved, can often have funds in your bank account that same day.

Annual Percentage Rates (APR)

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Rates quoted with Premier Banking Discount

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

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

Loan Terms:

Lending Uncomplicated®

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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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