No appraisal, or restrictions on age or mileage.At LightStream, we’re all about getting rid of hassles and red tape. We make it easy for you to get a great deal on the car you want. We call it Lending Uncomplicated.®
Be a cash buyer and get any used car you want from any dealer.We deposit funds directly into your account. This saves you time at the dealer, and gives you the power to negotiate your best deal—from any dealer.
We can fund your loan as soon as the day you apply.You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.
Experience the refreshingly simple LightStream loan.Check your rate, then apply from your smartphone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000.Low rates. Great service. That's Lending Uncomplicated.®
It's easy to find your rate
- Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
- Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
- Loan proceeds may not be used to refinance any existing loan with LightStream.
- Florida loans subject to
Florida Doc Stamp Info
Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. The amount of this tax, which is slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan), will be added to your loan amount if your loan request is approved and funded. Stamp tax is NOT included when determining loan interest rate.
. The tax amount is not included in the quoted APR.
Our customers love us. Find out why.
Learn more about how LightStream loans can be used to finance:
Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 11% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2022 to 12/31/2022. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
Maximum APR for a LightStream loan is . Loan terms range from 24 - 144 months depending on the loan type.
You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.