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*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.

Our customers love us. Find out why.

Smooth and quick

I applied with Lightstream for a boat loan from my phone and was approved and had the funds in my account the next day. I now own a beautiful boat that I am really enjoying. Thanks Lightstream!

Bay Area, CA

It is all about Customer Service

I have now used LightStream for the financing on two items. I can't believe how quick and easy the application process, closing, funding and completion of all the documents were.

Navasota, TX

Nice to be rewarded!

It's nice to have a loan company that will reward and trust you for having good credit. The loan process was easy and safe, with great rates and no early payoff penalties. Will use them again on my next project.

Lee's Summit, MO

It's easy to find your rate

Apply in minutes. Have funds in your account as soon as today.

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Apply online

You will receive a response shortly during business hours.

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Accept loan agreement

Once approved, e-sign your loan agreement and set-up your loan for funding.

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That's it! Use your loan

Receive your funds as soon as today. 1

Finally, a loan that rewards your good credit.

When you have a track record of financial responsibility, you deserve an exceptional rate and superior service. LightStream customers share these characteristics:

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Credit history

Several years of credit history with a variety of account types (major credit cards, installment loans, vehicle loans and mortgage debt if applicable.)

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Assets

An ability to save, evidenced by: retirement/investment accounts and liquid assets - including checking and savings accounts, etc.

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Income vs Debt

Stable, sufficient income and assets with the ability to repay current debt obligations in addition to any new loan with LightStream.

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Payment history

A good payment history with few, if any, delinquencies or other problems repaying debt obligations.



LightStream only approves good-to-excellent credit profiles.

The LightStream experience

Lending Uncomplicated

Only from LightStream

*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 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. 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 6.94% APR with a term of 3 years would result in 36 monthly payments of $771.24.

Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

1You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.


Business Hours (Eastern time)

Customer Service

Monday - Friday: 9:30 a.m. to 7 p.m. & Saturday: Noon to 4 p.m.

Saturday: Noon to 4 p.m.

Application Processing

Monday - Friday: 10 a.m. to 6 p.m.


Mailing Address
PO Box 117320
Atlanta, GA 30368-7320

E H L Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation.
Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.
All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.