Our rating is based on a combination of expert staff and user ratings.
- Simple Loan Process
- Loans Available For New and Used Cars
- Borrowers Need Good Credit
New dealer purchase: 3.99% to 8.34%Used dealer purchase: 3.99% to 8.34%Private party purchase: 4.99% to 9.19%Refinance: 3.99% to 8.34%Lease buyout: 4.99% to 9.19%
|Loan Amount||$5,000 – $100,000|
24 to 48 Months
LightStream is a national online consumer lending division of SunTrust Bank. Their belief is that customers with good credit have earned the right to a simple loan process and excellent rates. With LightStream, consumers with strong credit profiles can receive highly competitive, fixed-rate financing via an easy, fast and virtually paperless loan process. They offer auto loans including new and used purchase, private party purchase, refinancing, and lease buyout.
TheThis lender is best for applicants with good to excellent credit who are looking for a simple loan from a widely-known bank. This is also a good fit if you are want to receive the money quickly since LightStream usually will give you the funds within a business day. LightStream requires a hard credit pull, so borrowers should be prepared for their credit score to be impacted.
How to Qualify
In order to be approved for a LightStream auto loan, you must have a credit score of at least 660. There are no restrictions on vehicle age, mileage, or makes/models. You can apply online only. LightStream is available in all 50 states.
There is no application fee or late fee.