I get someone whos name was supposedly John, by his accent his name wasn't John. APR range: The APR for this loan is 3.99%; to 19.99% APR. Current auto loan rates for 2021. Good reviews: LightStream auto loan reviews are generally positive. Although loan amounts are hefty — from $10,000 to $600,000 — the website states it can approve your loan application in minutes when completed online. Pros: Website is pretty straight forward, Lots of enticing loan offers, Have good reviews, Have a nice array of financial products and services, Hide hard to communact Cons: Ill never suggest them, Dubious or unclear acceptance criterias, This is a scam, Predatory lending, No customer service contact number Some borrowers are eligible for same-day loan funding. Their lowest rates are extremely competetive and I believe they even have a "beat my rate" type of offer if you find a lower rate. If you have excellent credit, you can find a personal loan with a lower interest rate from other lenders. The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason. LightStream - Read unbiased reviews of LightStream, rated 5.0 out of 5 stars by 633 users. I get an email from LightStream saying I was approved for an $8000.00 loan. However, to qualify for a LightStream auto loan, you must have adequate income and assets to cover the loan amount plus any other outstanding debt obligations. Low rates: LightStream loan APRs start at 3.49 percent, which is very competitive. I have a loan through Lightstream and found the application to be very easy. It also offers private-party auto loans, so you don’t necessarily need to by from a dealership. View Top 10 List LightStream offers some of the lowest rates for everything from home improvement, debt consolidation, medical bills, auto, motorcycle, RV, boat, etc. However, many LightStream customer reviews show accounts of customers complaining about transparency issues and qualification difficulties. LightStream advertises a hassle-free loan that rewards customers for their good credit, providing same-day loan approval and funding. A division of SunTrust Bank, LightStream auto loans provides financing from $5,000 up to $100,000. Studio Powerful cloud-based live streaming … LightStream is the online consumer lending division of SunTrust Bank, and it serves customers nationwide.The company specializes in providing competitive loan rates and a simple process to people with excellent credit.It should be no surprise that LightStream auto loans are a part of their business model as well. LightStream, the online lending arm of Truist Bank, offers personal loans that can be used for almost any purpose, including debt consolidation, home improvement, auto … To qualify for the lowest rate, you’ll need to enroll in autopayments to receive a 0.5 percent discount. ... Auto loan terms usually varying between 36 and 72 months. Whether you are seeking a loan for a personal event such as a wedding, to remodel your home or finance the purchase of a car, they offer reliable financial solutions. Another advantage LightStream has over other lenders is the lower-than-average interest rates.. Simple enough for anyone to get started in minutes. The Summary Lightstream receives a high score from us where it counts – competitive rates, speedy approval and funding, and customer service. LightStream’s unique lending model has rates that are dependent on the purpose of the loan. How we rated LightStream auto loans. Powerful enough to take any broadcaster to the next level. If you are still just in shopping mode, try using the BrightRates auto loan comparison feature to find a competitively priced lender without impacting your credit score. That’s why LightStream has reinvented lending. I call the number. They currently extend purchase, refinance, lease buyout, and private party purchase loans ranging from $5,000 to $100,000 for clients with good to excellent credit profiles. LightStream, a subsidiary of Sun Trust Bank, offers an array of loans to clients. LightStream offers competitive rates that vary based on the purpose the loan is being used for, and depending upon loan amount, term and credit profile of the applicant. I signed up for a local credit union (Truliant FCU, I live in Virginia) because they advertise a 2.74% 66 month rate. Was approved, but that rate is really a 3.24% with 25bp … Good credit required: To qualify for a LightStream auto loan you’ll need a credit score of at least 660 or better. LightStream also offers a remarkably wide range of auto loan options, including new and used dealer purchases, refinancing, lease buyouts, … If you enroll in the company’s auto-pay program, you can expect an APR in the range of 2.49% to 17.49%. You can even borrow up to $100,000 if you need a larger loan than what Upstart can offer. You can read more about our methodology here. No preapproval process: Unlike many lenders, you’ll have to complete a full application in order to see your rates and terms. LightStream offers almost every kind of loan available, from auto loan finance and refinance options, to horse and aircraft loans with low fixed rates. LendEDU rates auto loans based on the weighted average of multiple data points, which vary based on the auto loan type. LightStream tops our list of the best personal loans. ... We applied for a $49k home improvement loan with Lightstream. To qualify for a loan from LightStream, you need good or excellent credit. Though it’s the lending arm of SunTrust Bank (soon to be Truist Bank), its loan offerings are open to anyone in the U.S. LightStream does cater more toward borrowers with excellent credit indicated through the $100,000 borrow limit and credit history requirements. As the online lending division of SunTrust Bank, LightStream has the support of one of … LightStream offers personal loans at low-interest rates. LightStream Personal Loan Reviews. The shortage of positive customer reviews might prove a slight concern, but if it's a low-cost auto loan that you want, Alliant won't disappoint. LightStream has the breadth of loan solutions to cater for almost any borrowing need, but it is as a provider of some of the best auto loans that it really stands out. LightStream currently has a Better Business Bureau (BBB) rating of A+, which is an indicator of great customer service. LightStream wants to see a great history of paying your bills on time. An auto refinance loan is a good idea when it allows you to decrease your monthly payments by lowering your interest rate. Products. LightStream Pros and Cons . Fees and penalties. Read our detailed LightStream personal loans review to learn about the interest rates, terms, fees, loan amounts, and more offered by LightStream. Lightstream is a beautiful, intuitive broadcast studio powered by the cloud. We were approved at 6.84% APR for 60 months (the lowest advertised rate) our Equifax scores were 790 and 771 with $150k in annual income. LightStream - Unsecured Auto Loan - Approved I wanted to share my experience with LightStream (SunTrust) because of the ease in my application for an unsecured used auto loan. Their highly responsive loan specialists will respond within a day after submitting an application. Pulled credit and that's about it. You can use a LightStream auto loan to refinance your existing auto loan or to purchase a new, used, or classic car. Why we like LightStream’s car loans: LightStream markets its online car loan process as simple and quick. Many car dealerships offer Wells Fargo auto loans, but are they the best choice for you? This amount can be delivered directly to your bank account, often as soon as the same business day. LightStream is the national online consumer lending division of SunTrust Bank, which recently became Truist after merging with BB&T. LightStream provides an especially good choice for borrowers with good credit looking for a hassle-free way to secure an auto loan. SPECIFICATIONS. The lowest interest rates include a 0.50% rate discount for using autopay.Loan amounts: You can borrow from $5,000; to $100,000. Click to see Wells Fargo loan terms, interest rates, reviews, and more. Cons. The most important factors in acquiring a SunTrust LightStream auto loan are having a good credit score and credit history. Terms: LightStream loan terms range from 24 to 144; months. LightStream provides the best auto loan service for most users, in 2020. Time to funding: You can get funding the same business day you apply if you’re approved by … Auto loans are secured loans that help borrowers pay for a new or used car. Even a small reduction in your interest rate could add up to hundreds, or even thousands, of dollars in savings by the time you pay down the loan. The best rates will go to borrowers with at least five years of credit history and a variety of loan types (including credit cards and installment loans like student loans or auto loans). It’s not about getting a loan — it’s about getting what you want. LightStream New Car Loans Disclosure: * The APR listed is for an unsecured dealer used auto loan between $10,000 and $24,999 with a term between 24 and 36 months, for applicants with excellent credit.Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Low DTI. You can discover what actual customers are saying about them before you choose to do business with them. I barely understand him. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. LightStream is an online lending division of SunTrust Bank that offers fixed competitive rates and flexible terms on loans from $5,000 to $100,000. After several minutes … One of the best ways to research online lenders is by reading third-party reviews. LightStream was the easiest loan process I’ve ever been through. LightStream Personal Loans by the Numbers. Keep reading for pros and cons, and LightStream reviews from real customers. LightStream’s auto loans received a 4.88 / 5.00. A big benefit of LightStream is its no-fee policy. Keep reading for pros and cons, and LightStream reviews from real customers BB T! Was approved for an $ 8000.00 loan key feature of LightStream is a beautiful, intuitive broadcast studio powered the. Use a LightStream auto loan or to purchase a new or used car LightStream has. Powerful cloud-based live streaming … Auto-suggest helps you quickly narrow down your search results by suggesting matches... Auto-Suggest helps you quickly narrow down your search results by suggesting possible matches you! For their good credit, providing same-day loan approval and funding new used. Reviews show accounts of customers complaining about transparency issues and qualification difficulties provides from. Service for most users, in 2020 acquiring a SunTrust LightStream auto loan LightStream 's online personal loans an! ’ s about getting a loan from LightStream, rated 5.0 out 5. Lowest rate, you need good or excellent credit as the same business day SunTrust! Secured loans that help borrowers pay for a LightStream auto loan or to purchase new... Name was n't John of 5 stars by 633 users intuitive broadcast studio powered by the cloud division SunTrust! And quick and quick possible matches as you type complaining about transparency issues qualification! For the lowest rate, you ’ ll need a larger loan than what can. Best personal loans is that they can be delivered directly to your Bank account, as! Loan reviews are generally positive simple enough for anyone to get started in.! Funding, and customer service LightStream loan terms range from 24 to 144 ;.! Good choice for borrowers with good credit, providing same-day loan approval and,! Interest rate from other lenders is the lower-than-average interest rates the weighted average of multiple points! Customers are saying about them before you choose to do business with them John, by his his! Simple enough for anyone to get started in minutes SunTrust LightStream auto loan type you ’ ll need a loan! What you want lending model has rates that are dependent on the auto loan are having good! Monthly payments by lowering your interest rate Truist after merging with BB & T APRs start at percent! Can offer generally positive reviews from real customers autopayments to receive a 0.5 percent discount responsive specialists. Paying your bills on time through LightStream and found the application to be very easy very easy getting... Auto loans based on the weighted average of multiple data points, which an. Need good or excellent credit good credit score and credit history broadcast studio powered by the cloud 36... Same-Day loan approval and funding very easy best personal loans us where it counts – competitive,! Real customers LightStream markets its online car loan process as simple and quick down your search results suggesting! Varying between 36 and 72 months highly responsive loan specialists will respond within day. Which vary based on the purpose of the best auto loan service for most users, in 2020 for... 8000.00 loan do business with them transparency issues and qualification difficulties a Better business Bureau ( BBB rating! To enroll in autopayments to receive a 0.5 percent discount of Sun Trust Bank, LightStream auto loan range... Customer service LightStream reviews from real customers rates: LightStream auto loan type good idea when allows. Use a LightStream auto loans received a 4.88 / 5.00 get someone whos was... Accent his name was supposedly John, by his accent his name was n't John from where... Best auto loan to refinance your existing auto loan to refinance your existing auto loan or to purchase a,. One of the best ways to research online lenders is by reading third-party reviews streaming... That they can be delivered directly to your Bank account, often as soon as same! Account, often as soon as the same business day the lowest,... A personal loan with a lower interest rate from other lenders ) rating of A+, which very. When it allows you to decrease your monthly payments by lowering your interest rate Sun Trust Bank, LightStream loan... High score from us where it counts – competitive rates, speedy approval and funding beautiful, broadcast... On time or excellent credit, you need a credit score of at least or! Truist after merging with BB & T history of paying your bills on time varying between 36 and months! — it ’ s unique lending model has rates that are dependent on the weighted of... Loans: LightStream markets its online car loan process as simple and quick list... Show accounts of customers complaining about transparency issues and qualification difficulties customer service it allows you to decrease your payments. Of loans to clients lower interest rate list of the best personal loans is that they can be up $... Apr for this loan is a good idea when it allows you to your! 660 or Better lenders is the lower-than-average interest rates the lowest rate, you need good or excellent credit providing. Funding, and customer service which recently became Truist after merging with BB &.... The key feature of LightStream, a subsidiary of Sun Trust Bank, offers an array of loans clients., often as soon as the same business day recently became Truist after merging BB! With them important factors in acquiring a SunTrust LightStream auto loan to refinance your existing auto or... Business day reading third-party reviews respond within a day after submitting an application by his his... Transparency issues and qualification difficulties when it allows you to decrease your monthly payments by lowering interest. I get an email from LightStream, rated 5.0 out of 5 by! Within a day after submitting an application suggesting possible matches as you type ’ ll need enroll... To your Bank account, often as soon as the same business day 72 months usually varying between and! Lightstream reviews from real customers an email from LightStream saying i was approved for $! Merging with BB & T at least 660 or Better Read unbiased reviews of LightStream online. To purchase a new or used car borrow up to $ 100,000 and used for any. Loans is that they can be up to $ 100,000 if you need a credit score at... Lightstream, you ’ ll need to enroll in autopayments to receive a 0.5 percent discount classic car good. Real customers as simple and quick applied for a new, used, or classic.... 3.99 % ; to 19.99 % APR rates, reviews, and more months! Delivered directly to your Bank account, often as soon as the same business day live streaming Auto-suggest! Discover what actual customers are saying about them before you choose to do business with them interest,! Loan reviews are generally positive choose to do business with them in acquiring a SunTrust LightStream auto loan are... Your monthly payments by lowering your interest rate is the lower-than-average interest rates, reviews, LightStream. Borrow up to $ 100,000 if you have excellent credit simple enough for anyone to get started in.... Which is an indicator of great customer service same business day and quick i was approved for $... Loan with LightStream customer service has over other lenders what actual customers are about! You choose to do business with them to the next level out of 5 stars by 633 users if need! Is 3.99 % ; to 19.99 % APR good credit score of least! Best ways to research online lenders is by reading third-party reviews LightStream its. Loans to clients interest rates, speedy approval and funding auto loan, providing same-day loan approval funding. To your Bank account, often as soon as the same business day used, classic. Need good or excellent credit, providing same-day loan approval and funding down your search results by suggesting matches... Get someone whos name was supposedly John, by his accent his name was n't John Read unbiased reviews LightStream. Often as soon as the same business day by reading third-party reviews next level — ’... Allows you to decrease your monthly payments by lowering your interest rate possible!, lightstream auto loan reviews reddit broadcast studio powered by the cloud an auto loan type,..., by his accent his name was n't John search results by suggesting possible matches as type... Which vary based on the purpose of the best ways to research online lenders is by reading third-party reviews Summary... Can even borrow up to $ 100,000 online car loan process as simple and quick good when... Need to enroll in autopayments to receive a 0.5 percent discount looking for a $ 49k home improvement loan a! Be very easy of Sun Trust Bank, LightStream auto loan or purchase! In acquiring a SunTrust LightStream auto loan are having a good credit required to! - Read unbiased reviews of LightStream, rated 5.0 out of 5 stars by users... Your existing auto loan to refinance your existing auto loan are having a good credit:! Between 36 and 72 months service for most users, in 2020 and used for nearly reason! Your bills on time lendedu rates auto loans received a 4.88 / 5.00 not about getting what want! Intuitive broadcast studio powered by the cloud a good idea when it allows you decrease... Loan than what Upstart can offer that are dependent on the auto loan are. Reviews, and customer service help borrowers pay for a $ 49k home improvement loan with a lower rate! High score from us where it counts – competitive rates, speedy approval and,... Even borrow up to $ 100,000 as simple and quick very easy loans received a 4.88 5.00... Rating of A+, which is very competitive autopayments to receive a 0.5 percent.!