Apply now for a LightStream unsecured loan.
Just a moment : loading interest rates

LightStream unsecured motorcycle loan

Your ride. Your rules. From {{lsiAutoMinRate}}% APR

with AutoPay and excellent creditDisclosure 1, Disclosure 2

Fuel your freedom without tying anything down. Borrow between $5,000 and $100,000 and get your funds as soon as todayDisclosure 3 or choose your funding date. Our fixed-rate, low-interest loan makes it fast and easy to get the best deal on the motorcycle you want.

Apply now for a LightStream motorcycle loan. Explore rates and payments
Just a moment : loading interest rates

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}}% to {{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}}% to {{lsiAutoMaxRate}}% APR with AutoPay.

Why choose a LightStream motorcycle 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 appraisal required, and no restrictions on your motorcycle’s age or mileage.

Same-day funding available

 

Act quickly to get the motorcycle you want. 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.

Our motorcycle loan lets you borrow up to $100,000 to buy from any dealer or private party. 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 motorcycle loan.

Apply now for a LightStream unsecured motorcycle loan.
Estimate a loan rate and monthly payment.
Just a moment : loading loan interest rate and monthly payment calculator
We can't retrieve your rates right now. Please try again later.
Not to worry, we’ll have things back up and running in no time. Check back soon. And thanks for your patience.
Telling us a little about your needs can help us show you available loan term options.
Choose your loan purpose
This field is required.
Just a moment : loading search results
Lowest rate
Lowest payment
Estimated monthly payment
{2}
Interest rate as low as
{3} APR 4
Repayment period
{4} Months
Lowest APR shown with AutoPay discount and excellent credit.
Apply now for this {6} {7} with {3} APR and monthly payment of {2} for {4} months
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.
Here are a few options for this {{lsiLoanAmount}} {{lsiLoanPurpose}}.
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.
Input an amount between ${{lsiMinAmount}} and ${{lsiMaxAmount}}
Input an amount between ${{lsiMinAmount}} and ${{lsiMaxAmount}}

How a LightStream motorcycle 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.

Just a moment : loading interest rates
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 motorcycle loan.

Frequently asked questions about motorcycle loans

Component ID : "faq-2074405642"
Model : "faq"
Position : "left"

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 seller.

Learn more about a LightStream used car loan - private party.
RV loan

Where will the road take you? Get there in comfort and style with an RV. We provide flexibility with no vehicle restrictions, no collateral, and competitive fixed rates.

Learn more about a LightStream RV loan.
Component ID : "accordionGridLayout-1679177006"
Model : "disclaimer"
Position : "left"
Just a moment : loading interest rates

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}}% - {{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 LightStream motorcycle loan proceeds cannot be used to refinance an existing LightStream loan or be used for cash out refinance purposes.

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}}% - {{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 LightStream motorcycle loan proceeds cannot be used to refinance an existing LightStream loan or be used for cash out refinance purposes.

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.

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/

Site footer

Footer Navigation

Banking products
About Truist
Resources
Support

© 2026, Truist. All Rights Reserved.