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LightStream's Rate Beat Program

LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time.

If you believe you have been approved by another lender for a lower qualifying rate, log in to your account and click on “Submit Rate Beat Request” to review your Rate Beat eligibility and upload the required documentation.
 

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

*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 $ loan at % APR with a term of NaN years would result in monthly payments of $.

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


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.