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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.

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Lowest APR shown with AutoPay discount and excellent credit.
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: {{lsiMinRate}}% to {{lsiMaxRate}}% 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 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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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

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.

New car loan

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