LightStream has low-interest loans for any car you want

All lending services are provided by LightStream, a division of SunTrust Bank, and we may be compensated by LightStream through links on this site.

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When you have good credit, you’ve earned the right to drive the car you want, or even refinance your existing car loan to save money.

That’s true with LightStream, the nation’s premier online consumer lender and a division of SunTrust Bank. LightStream has low interest rates, a refreshingly simple loan process.

When you have good credit, they finance any car you want

  • New cars
  • Used and classic cars from dealers
  • Used and classic cars from private parties
  • Car refinancing
  • Lease buy out

Here’s what you can expect with a LightStream loan

  • Competitive fixed rates, backed by LightStream’s Rate Beat Program
  • No home equity requirements, no fees or prepayment penalties
  • Financing from $5,000 to $100,000
  • A refreshingly simple online loan process
  • Same-day funding available1
  • Your best loan experience ever, or LightStream will give you $1002
I wanted to wait until the first debit processed to offer my unqualified endorsement of your service. I discovered you on the web, applied for a car loan on a Thursday, had the funds in my Credit Union the next day, and had my CPO car that afternoon. Unbelievable. Just a follow up call the day of the application and that was that. Also, your web site, both before and after the loan is excellent. Very easy to navigate, and the clarity of my loan and its current standing is flawless. A 100% positive experience.
— J. G. from Glendale, AZ

*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.

1You 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.

2After 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.

© 2018 SunTrust Banks, Inc. All rights reserved. LightStream and SunTrust are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners. Lending services provided by SunTrust Bank, member FDIC.

Important Notice for Applicants

After you applied to a loan, you should receive a quick response during their business hours. Sometimes their emails go into junk mail folders, so please check your spam / junk mail folder. You may also check your loan status by logging into your account on LightStream.com that you created when you applied.

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