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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.

*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher.

Lower your payment by refinancing your RV loan.

Refinance your existing loans

Loans from $5,000 to $100,000

Online loan process — from application to loan funding

Lower your payment by refinancing your RV loan.

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.

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)

Based on your selected loan purpose, below is a table of loan terms and available rates.

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Loan Terms:


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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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