Welcome to LightStream! We are a national online consumer lending division of SunTrust Bank, the flagship subsidiary of SunTrust Banks Inc., one of the nation’s leading financial services companies.

We believe that consumers who have established good credit have earned the right to a simple loan process and excellent rates.

LightStream delivers a revolutionary loan experience that allows customers to focus on their purchase, rather than on their financing. With our innovative lending products and proprietary technology, consumers with strong credit profiles can receive highly competitive, fixed rate financing via an easy, fast and virtually paperless loan process. From the convenience and comfort of their computer or mobile device, customers can apply, be approved, sign their loan agreement and receive their funds, as soon as the same day of their application.

Our customers tell us it’s quite amazing! And we’re so confident of our loan process that we provide a $100 guarantee that your loan experience will be your best, ever. Consider the possibilities. Finance your home improvement projects even if you don't have equity in your home or prefer not to use it. Purchase any auto and have the power to negotiate as a cash buyer. Refinance existing loans at a better rate. Finance an engagement ring, wedding celebration and a honeymoon! Plan a family. Pay Pre-K through Grade 12 private school tuition. Buy the timeshare you’ve dreamt about. Take off on your boat, RV or motorcycle to places you’ve always wanted to go. With a LightStream loan, it's as easy as 1-2-3!

We are LightStream, a division of SunTrust Bank, and we are changing the game in online consumer lending. For individuals with strong credit profiles, we extend competitive, fixed-rate financing via an easy, fast and entirely paperless loan experience. From your mobile device, you can apply, be approved, sign your loan agreement, and receive funds, as soon as the same day of your application. Now you can focus on your purchase, rather than your financing.

We plant a tree with every loan

You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.