Skip to main content

Home Improvement
Auto
Debt Consolidation
- Credit / Debt Consolidation
Recreation
Family Life
Anything Else

Get the latest info on rates and monthly payments

Rate Beat Program

We offer a better rate than anyone on unsecured loans

Answers to the most common questions about loans

Our Company
What sets LightStream apart, including our commitment to the environment.

LEARN MORE about our company

Sign in

Loans
Rates
Get the latest info on rates and monthly payments
Rate Beat Program
We offer a better rate than anyone on unsecured Loans
FAQs
Answers to the most common questions about loans
About

Sign In

Apply Now

For security purposes (yours and ours), you need to enable javascript in order to sign in. Thank you.

My Account | Sign In

User ID

This field is required.

forgot user ID? Password

This field is required.

forgot password?

Learn more about how LightStream loans can be used to finance:

Auto

Auto Refinance
Classic Car Financing
Lease Buyout
Motorcycle Loans
New Car Loans
Private Party Auto Purchase
Used Car Loan

Home Improvement

Basement Remodel Loans
Home Improvement Loans
Hot Tub Financing
Kitchen Remodel Financing
Landscape Financing
Solar Financing
Swimming Pool Financing

Recreation

Boat Loans and Refinancing
Boat Repair Financing
Destination Club Financing
RV Loans
RV Refinancing
Timeshare Loans

Family

Adoption Loans
Dental Loans
IVF/Fertility Treatment Financing
Medical Financing
PreK–12 Financing
Wedding Loans

Anything Else!

Aircraft Financing
Credit Card/Debt Consolidation
Horse Loans
Horse Trailer Loans
Jewelry Financing
Land Purchase Loans
Tiny Home Financing
...or other financing needs!

Privacy
Site Map
Affiliates
Careers
Accessibility

Privacy
Site Map
Affiliates
Careers
Accessibility

APR Disclosure

* 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%.

Business Hours (Eastern time)
Customer Service
Monday - Friday: 9:30 a.m. to 7 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.

Every time LightStream funds a loan for a customer, we plant a tree. In partnership with American Forests, we've planted more than a million so far. This has helped restore and protect fragile wildlife habitats across America. Safeguarding the environment and preserving wilderness areas is essential for our future. The team here at LightStream is proud to be doing something that will make a different for generations to come.

For every loan we plant a tree

You Are Leaving LightStream.com

By clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream. The privacy policy, level of security or accessibility standards may differ from ours. We encourage you to review the privacy policy and security offered on the third-party site prior to providing any personal information. LightStream is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, partners, advertisers, products or services that are offered or expressed on third-party Web sites. You can click the Return to LightStream.com button now to return to the previous page or you can use the Back button on your browser after you leave.

Continue