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 listed3.24% APR 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.
Lower your payment by refinancing your RV loan.
Refinance your higher interest loan at rates and terms that meet your current needs.
Amazing experience! I reached out to LightStream because I'm buying my first boat and I can't say enough about how great this experience was. I submitted my application online on a Wednesday, got a call a few hours later that missed. Called them back in the morning the next day, answered a couple of questions they had, got an email 20 minutes later asking for me to attach my latest paystub, 20 minutes after I did that I got an email with approval. I could have had the money wired the next day if I chose. I held off because I was still negotiating with the broker on the boat. The whole process took less than 24 hours. To put it in perspective, I submitted an application with the broker to finance through his company two days before I submitted with LightStream... it's now been almost a week and I haven't heard back regarding the financing from the broker yet. I just told him to forget about it, I was going to pay cash. That helped the negotiations! I never, ever take the time to write reviews but this process was so easy, the customer service and responsiveness is by far the best I've ever had. If you're looking for a pleasant experience financing your next toy, you have to reach out to LightStream and see what they have to offer.
Don’t get taken for a ride: Five questions to ask your lender about RV refinancing
For RV owners stuck with a high-interest loan, refinancing can be a great way to save money and lower monthly expenses. In order to do so however, you need to find the right loan from the right lender. Here are five key questions to ask any lender:
How competitive are your motorhome refinance rates?
Consider the rates on any refinance loan. LightStream offers RV refinance loans with rates starting as low as * APR with AutoPay. With flexible terms the borrower chooses, loan amounts from to .
Do you offer an unsecured RV refinance loan?
A good rate is important, but it’s not everything. You’ll also need to consider whether you’re willing to pledge your personal assets as collateral in order to refinance a motorhome. At LightStream, we don’t think you should. Our RV refinance loans are unsecured, requiring no lien holder processes or paperwork.
Are there any restrictions?
Ask your lender if there are any restrictions on exactly what you can refinance. The LightStream loan can be used to finance or refinance almost anything, giving you the freedom to refinance any RV or motorhome, regardless of its age, model, size or any other factor.
Are there down payment requirements or upfront fees?
A significant down payment requirement or considerable upfront fees can often be enough to offset the benefits of refinancing an RV. At LightStream, there’s no down payment, no fees and no prepayment penalties.
How much paperwork is involved?
Regardless of what you’re financing or refinancing, no one wants to deal with piles of paperwork. Ask your potential lender to walk you through their process. If it sounds like a headache, it probably is. At LightStream, we deliver a paperless online loan application that takes just minutes to complete and often leads to approved borrowers having money in their bank account the same day they apply.† We don’t just think you’ll have a pleasant experience, we guarantee it.
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.
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