Your best loan experience guaranteed or $100 is yours!

We guarantee
you a better experience.

After receiving your loan from us, if you are not completely satisfied with your experience, please contact us at (866) 635-1330. 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.

Shop as a cash buyer for any used car from any seller.

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

Business hours are Monday through Friday: 9:00 AM – 8:00 PM Eastern time, Saturday: 12:00 PM to 3:00 PM Eastern time.×

Response in minutes during business hours

How it works...

Five Things to Look for Under the Hood of Used Car Financing
Chances are you wouldn't buy a used car without first looking under the hood. Take the same approach when it comes to used car financing. Like shopping for a used car, due diligence is critical when shopping for a used auto loan. This is especially crucial if you’re a borrower with solid credit, as there are certain loan features you shouldn't have to compromise on. Here’s a look at five characteristics of a great loan for used cars:

Rock-Bottom Rates: Your lender’s focus should be on the fact that you have strong credit, not on the fact that you've decided to buy a used car instead of a new one. You should be entitled to a great rate regardless, and with LightStream, you’ll get it. Our used car loans feature fixed-interest rates that begin as low as * APR with AutoPay, plus flexible loan amounts between to .

Anything Goes: Having solid credit should mean having the freedom to finance any used car you select, regardless of its make, model, year, dealer or any other variable you can think of! That may make certain lenders cringe, but not us. In fact, our loan product is called the AnythingLoan, because you can use it to finance or refinance just about anything. The used car of your choice is no exception.

Cash in Hand: LightStream delivers AnythingLoan proceeds directly to a borrower’s bank account. Why is having cash in hand so important? Because it puts you in control of the purchase. It frees you to move quickly, and negotiate as a cash buyer.

Same-Day Funding: If you have strong credit, you shouldn't have to wait around for your lender. With LightStream, you won’t. If approved for a loan, you can often have money deposited into the bank account of your choosing the same day you apply.

A Pleasant Experience: Speaking of your loan application, don’t settle for a pile of paper or application headaches. Demand better. LightStream has a simple online application that takes just minutes to complete. We respond to customers within minutes during business hours, provide a virtually paperless experience and back up our service with an exclusive $100 Loan Experience Guarantee.

LightStream's Secured Auto Loan Option: For those who do not qualify for the unsecured AnythingLoan, LightStream may be able to offer a secured auto loan. It will include an additional couple of steps for titling, and borrowers are able to buy any used car from any licensed automobile dealer. Like our unsecured loan, we are committed to providing you a simple and streamlined experience and exceptional customer service, still backed by our $100 Loan Experience Guarantee.

Current Annual Percentage Rates (APR)


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*with these terms

Learn more about how the LightStream AnythingLoan 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 with our AnythingLoan. By eliminating paper almost entirely from the AnythingLoan 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.

We Plant a tree with EVERY LOAN

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