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LightStream’s Rate Beat Program

LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. Terms are subject to change at any time.

If you have been approved by another lender for a lower qualifying rate: Customers who have already been approved for a LightStream loan can contact LightStream customer service. We will work with you to determine your Rate Beat eligibility and obtain the documentation we need on your competitive rate.
Customers are Saying

Our interest rates are very competitive. But don't take our word for it. See what our customers have to say.

  • "First, I wanted to say thank you for the painless loan process and approval speed. This is the easiest loan process my wife and I have ever been a part of. I wish all loan applications were this easy. I can't thank you enough. Your rates were the same as my credit union, but I can do this in the comfort of my own home. I am highly recommending your bank to all my friends and family. No more visits to my local bank or credit union for the type of loans you offer. Super highly recommended." - H.R. from Mission, TX
  • "I had read a lot of positive things about SunTrust and the LightStream Loan, but I was still a little skeptical. 24 hours later and I am a believer. Best rates, best customer service and an UNHEARD OF turn-around time. Simply the best of the best. I hardly ever write to THANK a company for their service and product, but you guys were a pleasure to deal with, so thank you." - T.A. and B.A. from Endicott, NY
  • "Let me say Thank You, Thank You, for the most hassle free loan I have ever had. The approval and funding service was incredible. The interest rate for a personal loan is 2nd to none. It was very easy to get set up and set to pay back this loan will save over $5,000.00 when I pay off my existing travel trailer loan set at 9.5% versus the loan you gave me at 2.99%. Again thank you so." - L.L. from Stuart, VA
  • "Just wanted to let you know how impressed I am with LightStream. The process is unbelievably simple and lightning fast. The rates are very competitive and everything, from start to finish, was efficient and professional. I could not be more impressed and will recommend LightStream, without reservation, to my friends and family." - S.E. from Laguna Niguel, CA
  • "Your loan was the absolute lowest interest I was quoted! I am canceling my credit union account and possibly my [other bank] account and moving over to SunTrust. Your reps were a pleasure to speak with, professional and knowledgeable — wonderful, all three of them. I will tell all of my family and friends about LightStream, (I am) 100% highly satisfied. Please keep up the excellent work. Thank you for such a streamlined process…. I will be driving my 2006 Honda S2000 home from Tampa on Saturday. You have made me a very happy woman." - K.S. from Orlando, FL
  • "Great service, great rates, thank you." - J.G. from McAlester, OK
  • "Just wanted to let you know what an outstanding and seamless loan process you have. Not only did you have the best rate, but also the easiest loan application I have ever seen. Thanks again for the awesome experience." - J.H. from Nacogdoches, TX

At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually 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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