Apply now for a LightStream unsecured used car loan.

LightStream used auto loan - dealership

Unsecured used car loans from 6.24% APR with AutoPay and excellent creditDisclosure 1, Disclosure 2

Get the power of a cash buyer and save time at the dealership. Get your funds as soon as todayDisclosure 3 or choose your funding date. Our fixed-rate, low-interest loan makes it easy to get the best deal on the car you want.

Apply now for a LightStream unsecured used car loan. Explore rates and payments
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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}}% to {{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}}% to {{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 appraisal required, and no restrictions on your car’s age or mileage.

Same-day funding

 

Act quickly to get the car you want. We can help, with funds in your account as soon as today.Disclosure 3

Why choose a LightStream loan?

We reward good-to-excellent credit.

A stable financial track record deserves low rates and superior service. We have auto loans for any situation, and with funds in hand, you can buy from any dealer. You can borrow up to $100,000 and receive your loan as soon as todayDisclosure 3 —or schedule funding for later.

Apply now for a LightStream unsecured 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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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 used car loans

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An unsecured used car loan gives you the freedom to finance a used vehicle without tying it to collateral. This means your car stays yours from day one—no strings attached. With funding as soon as today,Disclosure 3 and fewer requirements than a traditional used car loan, you can get on the road sooner. Plus, the funds are flexible, so you can cover related expenses like registration, insurance or even repairs with ease.

LightStream unsecured loans require 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.

There is no penalty for partial or total early repayment of your loan. You can make extra payments any time by signing in to your account.

We don’t charge any fees for our used car loan. That means no application fee, no origination fee, and no pre-payment penalties. We’re all about making financing transparent and simple, so these common fees don’t apply. You’ll only be responsible for any interest on the loan, along with any standard taxes, title, and registration fees required by the dealership or your state.

When comparing offers, be sure to compare APRs, which reflect both your interest rate and any lender-imposed fees, to understand the true cost.

You may also be interested in these options.

Used auto loan – private party

With same-day funding availableDisclosure 3 and custom loan terms, we can help you negotiate a great deal on the car you want from a private party seller.

Learn more about a LIghtStream used car loan - private party.

New auto loan

We have flexible loan options to get you on the road quickly with easy application, fast decisions and a 30-day interest rate lock guarantee.Disclosure 6

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.

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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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