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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 timeshare or fractional purchase 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.

A LightStream loan – a welcome escape from typical financing hassles.

Finance or refinance any timeshare anywhere in the world. (You must be a U.S. resident).

Purchase any Timeshare - worldwide!

Business hours
Account Services
Mon - Fri, 9 a.m. to
8 p.m. &
Sat, Noon to 7 p.m.
Application Processing
Mon - Fri, 9 a.m. to
8 p.m. &
Sat - Sun, Noon to 6 p.m.

Quick response during business hours

Competitive rates with flexible terms and no fees or prepayment penalties.

Loans from $5,000 to $100,000

Approved applicants can schedule their funding as soon as the same day and have funds deposited directly into their bank accounts to use as needed.

Money in your account as soon as today.

A LightStream loan – a welcome escape from typical financing hassles.

The purchase of a timeshare is often an emotional and impulsive decision. With a LightStream timeshare loan it doesn’t have to be. You can preserve high-performing assets, negotiate better as a cash buyer, and can get a low interest rate.

  • Get a low interest rate: When you have solid credit, LightStream’s fixed interest rates on timeshare loans begin as low as * APR with AutoPay. And there are no prepayment penalties or fees.

  • No down payments, no fees: Some lenders will offer a competitive interest rate up front, only to surprise you with a sizable down-payment requirement. LightStream doesn’t require a down payment or charge fees or prepayment penalties of any kind.

  • Your satisfaction is guaranteed: If you want a fast and easy loan at a low interest rate, try LightStream. We're so confident that you'll have your best loan experience ever, we offer an 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)

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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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