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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 listed is for an unsecured boat, RV or aircraft 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.

Financing that is a welcome escape from typical loan hassles.

Online loan process - from application to loan funding

Loans from $5,000 to $100,000

Negotiate as a cash buyer

Quick response during business hours

Financing that is a welcome escape from typical loan hassles.

Whether you’re hitting the road for the first time, or you’ve committed to a nomadic lifestyle, the right financing can be just as important as your choice of recreational vehicle (RV). When you have good to excellent credit, the right financing looks like a low-interest loan with a fast and easy application process — and that’s what LightStream delivers.

  • Low, fixed interest rates: When you've worked hard to build solid credit, your interest rate should be low, and it should be fixed. LightStream RV loan rates start as low as * APR with AutoPay, with loan amounts ranging from to .

  • It's your choice: You can choose any make and model RV you want, and act as a cash buyer, with funds in your account. You even choose the repayment terms of your loan.

  • A fast and easy loan — your best ever: At LightStream, we pair great rates with a simple online loan application that takes minutes to complete, and often provides approved borrowers with money deposited directly into their bank account the same day they apply. We believe it will be your best loan experience ever, and we back up that belief with our exclusive $100 Loan Experience Guarantee.

Annual Percentage Rates (APR)

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Rates quoted with Premier Banking Discount

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

Annual Percentage Rates (APR)
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Affordable Home Improvement Program loans cannot exceed $10,000.00.

Loan Terms:

Lending Uncomplicated®

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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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