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 listed1.74% APR is for an unsecured dealer used auto 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.
If your application is approved, your credit profile will determine whether your loan will be unsecured or secured.
Subject to credit approval.
Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
Finance any used car from any dealer, and be a cash buyer.
Competitive rates with flexible terms and no fees or prepayment penalties.
I am one of those people that rarely write reviews but couldn't do this after my great experience. I applied in the evening on a Monday and was advised that I would hear the next business day once underwriting was in the office. I would say by 9 am the next morning I had my approval for a used unsecured auto loan for 1.74%!!! That is an amazing rate and I know being an underwriter for consumer loans myself! The process was simple and I had my money by Wednesday morning with no extra fees. I couldn't even get as good of a rate or customer service from the bank I work at (and underwriters who sit right next to me) if I had tried.
If you are planning to purchase a used auto from a dealer, read on. If you will be purchasing a used car from a private party, click here.
What's the smartest way to get the used car you want? Take control of the process. With LightStream and your good credit, you can!
The Low Rate You Deserve:
Starting as low as * APR with AutoPay when purchasing from a dealer, our unsecured fixed-rate used car loans feature flexible loan amounts from to - with no fees whatsoever.
It's Your Choice: You can choose any car you want, regardless of make, model, year, mileage, or loan-to-value, and act as a cash buyer, with funds in your account. You even choose the repayment terms of your loan.
Two Auto Loan Solutions -- Unsecured or Secured: When you have excellent credit, you have earned the right to borrow without having to have a lien on your vehicle. For those with good credit, LightStream may offer you a secured auto loan. Either loan solution, you’ll have a simple, streamlined loan process from start to finish, and exceptional customer service.
Your Satisfaction is Guaranteed: Our simple application takes just minutes to complete. We respond to customers quickly during business hours, provide a virtually paperless experience, and back our service with our exclusive $100 Loan Experience Guarantee.
Annual Percentage Rates (APR)
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.
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