Apply now for a LightStream auto lease buyout loan.
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LightStream auto lease buyout

Turn your lease into ownership from {{lsiAutoMinRate}}% APR

with AutoPay and excellent creditDisclosure 1, Disclosure 2

Own the car you already love with a LightStream auto lease buyout loan. We provide flexibility with no vehicle restrictions, no collateral, and competitive fixed rates. We offer loans from $5,000 to $100,000, and you can receive your funds as soon as today.Disclosure 3

Apply now on a LightStream auto lease buyout loan. Explore rates and payments for a LightStream auto lease buyout loan.
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1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay.

1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay.

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Why choose a LightStream auto lease buyout loan?

The LightStream unsecured loan is a Truist lending product.

No fees

 

No origination fees. No late fees. No pre-payment fees. It’s simple. We don’t have fees ... for anything.

No restrictions

 

No vehicle appraisal required, and there are no restrictions on your car’s age or mileage.

Same-day funding available

 

Once approved, you can receive funds as soon as today.Disclosure 3

Get rewarded for good-to-excellent credit.

A stable financial track record deserves low rates and superior service.

Get a competitive rate with fixed interest and no collateral required.

As part of our loan approval process, we look at factors including your credit score, credit history, assets, debt-to-income ratio, and payment history. We only approve good-to-excellent credit profiles for a LightStream auto lease buyout loan.

Apply now for a LightStream auto lease buyout loan.
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Choosing AutoPay can lower your rate.
In your application, you'll have the option to choose AutoPay (which includes a 0.50% points APR discount, as shown) or invoice repayment. If your loan is approved and you’ve selected AutoPay, you'll make monthly automated payments from any U.S. bank or credit union account where ACH withdrawals are allowed.
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4 Estimated payment is based on the lowest APR. Rate range for selected loan purpose: {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit profile and loan amount.)
Loan terms
  • Fixed-rate, simple-interest, fully amortizing loans with 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 an existing LightStream loan.
  • Florida loans subject to Documentary Stamp Tax (opens in a modal}. The tax amount is not included in the quoted APR.
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How a LightStream auto lease buyout loan works

step 1
Apply online.

It takes just minutes to apply, and you'll receive a response quickly during business hours.

step 2
Review and sign your loan agreement.

Once you're approved, e-sign your agreement and schedule your funding.

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thumbs up, step 3
Get started!

You can have funds in your account as soon as todayDisclosure 3 with same-day funding, or schedule funding when you need it. Disclosure 5

Apply now for a LightStream auto lease buyout loan.

Frequently asked questions about auto lease buyout loans

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Generally, your interest rate depends on your lender, your loan amount and terms, and your specific credit profile.

Your auto lease buyout price is typically calculated by the dealership adding the residual value (estimated future value from your contract) to any remaining payments, purchase option fees, and applicable taxes and registration fees.

When you apply for an auto lease buyout loan, the lender will conduct a hard inquiry, which may initially reduce your credit score slightly. Taking on a new loan will also increase your debt and may reduce the average age of your credit accounts, which may also impact your score. However, an auto lease buyout loan can also improve your mix of credit accounts if you don’t already have an installment loan, which may be viewed positively. Finally, making on-time loan payments can impact your credit score positively.

Auto lease buyouts may include additional fees beyond the residual value. Common costs may include a purchase option fee, state sales tax, title and registration fees, and potential dealer documentation fees. Some dealers may also charge an inspection or certification fee. Your lease agreement can help you understand any additional fees.

You may also be interested in these options.

Used auto loan – dealership

With funding as soon as today,Disclosure 3 quick decisions, and a 30-day interest lock guarantee,Disclosure 6 you can get the power of a cash buyer at any auto dealer.

Learn more about a LightStream used auto loan for dealership purchase.
New car loan

We have solutions to fit your budget and help you get on the road, with no vehicle restrictions or collateral requirements.

Learn more about a LightStream new car loan.
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Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay.

Disclosure 2 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 29.46% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. 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.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}%. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}}

Disclosure 3 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 4 Estimated payment is based on the lowest APR. Rate range across all LightStream loan purposes: {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit profile and loan amount.)

Disclosure 5 After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

For home improvement loans, you can schedule receipt of your funds within 90 days of approval. For all other loan purposes, you can schedule receipt of your funds to be delivered within 30 days after approval.

Schedule a wire transfer
If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.


Same-day wire transfer
You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.

Schedule a direct deposit ACH transfer
To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.


We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Disclosure 6 Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay.

Disclosure 2 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 29.46% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. 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.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}%. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}}

Disclosure 3 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 4 Estimated payment is based on the lowest APR. Rate range across all LightStream loan purposes: {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit profile and loan amount.)

Disclosure 5 After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

For home improvement loans, you can schedule receipt of your funds within 90 days of approval. For all other loan purposes, you can schedule receipt of your funds to be delivered within 30 days after approval.

Schedule a wire transfer
If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.


Same-day wire transfer
You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.

Schedule a direct deposit ACH transfer
To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.


We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Disclosure 6 Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosures

Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

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"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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