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Your best loan experience guaranteed
or $100 is yours!

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.

A green loan for the green consumer with good-to-excellent credit.

How it works...

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

Financing from $5,000 to $100,000 with NO FEES!

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.

Money in your account as soon as today

What our customers are saying...

A green loan for the green consumer with good-to-excellent credit.

Looking to downsize, and lower your cost of living by buying a smaller home? When you have good credit, you may be able to finance a tiny house with LightStream.

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

  • No home equity requirements: LightStream has no home equity requirements, and 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. When you qualify for a LightStream loan, we're confident that you'll have your best loan experience ever — that’s why we offer our $100 loan experience guarantee.
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    Affordable Home Improvement Program loans cannot exceed $10,000.00.

    Loan Terms:

    Lending Uncomplicated®

    Apply Now

    Learn more about how LightStream loans can be used to finance:

    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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