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  • Meet LightStream
  • LightStream Loans

    A fixed rate loan for practically anything.

    LightStream offers a unique lending solution that allows customers with strong credit to borrow funds for purchases that had previously required collateral, or that fall into categories where few or no loan options exist. With fixed competitive rates and flexible terms, a LightStream loan for $5,000 to $100,000 can be delivered directly to a borrower’s bank account, often as soon as the same day. There are no fees or charges, nor penalties for early payment.

    If you don’t qualify for our unsecured loan, LightStream may be able to offer a secured loan for the purchase of any new, used or classic car. It will include a few additional steps for titling, and you can still buy any car from any dealer or private seller. As with our unsecured loan, you’ll have a simple, streamlined loan process and exceptional customer service.

    Whether secured or unsecured, you’ll find that your LightStream loan is cost-efficient, offered at a competitive rate, and in an environmentally friendly manner that is virtually paperless!

    Apply today, we guarantee you won’t be disappointed.

    A LightStream loan can be used for:
    • Car Loans & Refinance Loans
    • Home Improvement Loans
    • Pool Loans
    • Timeshare Financing & Vacation Ownership Loans
    • Boat Loans & Aircraft Financing
    • Fractional Loans
    • IVF Financing
    • Jewelry Financing
    • Medical & Dental Financing
    • Adoption Financing
    • PreK-12 Education Loans
    • Horse Loans
    • and almost anything else!


  • Rate Beat Program
  • Loan Experience Guarantee
  • What Our Customers Say
  • Affiliate Marketing Program
  • Business Partners
  • Media Room
  • Licensing

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.

For every loan we plant a tree
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