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.

Finance any used car from any dealer - and be a cash buyer.

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 a.m. to 8:00 p.m. and Saturday, Noon to 4:00 p.m. Eastern time.

Quick response during business hours

Virtually paperless process - eSign your loan documents and funds are directly deposited into your account.

Online loan process - from application to loan funding

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.

  • Our Secured Auto Loan Option: If you don’t qualify for our unsecured loan, LightStream may be able to offer a secured auto loan. It will include a few additional steps for titling, and you can still buy any used car from any dealer or private seller. As with our unsecured loan, you’ll have a simple, streamlined loan process 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.

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Rates quoted with Premier Banking Discount

(Exact rate within this range is determined by credit profile)

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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