Apply now for a LightStream unsecured auto 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 {{lsiMinRate}}% - {{lsiMaxRate}}% 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 {{lsiMinRate}}% - {{lsiMaxRate}}% APR with AutoPay.

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Lending Uncomplicated®

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

Why choose a LightStream loan?

You’re rewarded with low fixed rates for your good-to-excellent credit.

Get the low rate you deserve with fixed interest, so you can take advantage of lower interest rates and decrease your monthly payment with no collateral. We have an easy application process and, once approved, you can receive your funds as soon as todayDisclosure 3 —or schedule funding for later.

Apply now for a LightStream unsecured auto 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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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 it 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 unsecured loan.

Frequently asked questions about auto loan refinancing

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An unsecured auto refinance loan allows you to replace your existing car loan with a new loan that has different terms, without using your vehicle as collateral. Refinancing can be a great way to take advantage of lower interest rates and decrease your monthly car payment.

The LightStream unsecured loan requires good-to-excellent credit profiles.

Here are some characteristics we find people with good-to-excellent credit share:

  • Credit history: Several years of credit history (excellent credit profiles have 5 or more years) with a variety of account types, including major credit cards, installment loans, vehicle loans, and mortgage debt, if applicable.

  • Assets: The ability to save money, shown by retirement or investment accounts, as well as liquid assets such as checking and savings accounts.

  • Income vs debt: Stable income and assets with the ability to repay current debt obligations in addition to the new LightStream unsecured loan. (Excellent credit profiles typically include little, if any, credit card debt.)

  • Payment history: A good-to-excellent payment history with few or no late payments, and no other problems repaying debt.


Everyone’s credit profile is unique, and during our approval process, we look beyond your credit score and examine your entire credit profile. Please note: A high FICO® score doesn’t guarantee approval.


Note for joint applicants: Each party on an application is reviewed equally since they share responsibility for this loan.

You can’t use LightStream loan proceeds to refinance an existing LightStream loan.

A secured auto refinance loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral.

An unsecured auto refinance loan has no collateral. Because of that, it may have higher interest rates compared to a secured loan.

Both secured and unsecured loans generally provide simple applications, quick decisions and funding as soon as today.Disclosure 1, Disclosure 2

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 car loan - dealership.

New car loan

We have solutions to fit your budget and help you get on the road.

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 {{lsiMinRate}}% - {{lsiMaxRate}}% 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 28.47% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2025 to 09/30/2025. 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}}% with AutoPay discount. 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: {{lsiMinRate}}% to {{lsiMaxRate}}% 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 {{lsiMinRate}}% - {{lsiMaxRate}}% 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 28.47% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2025 to 09/30/2025. 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}}% with AutoPay discount. 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: {{lsiMinRate}}% to {{lsiMaxRate}}% 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. © 2025 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.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"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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