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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 range from 6.99% – 15.89% APR w/ AutoPay.

Low rates. Great service. That's Lending Uncomplicated.®

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Get the low rate you deserve.

Good credit means a great rate. Got good credit? Get a low-interest, fixed-rate loan, at amounts from $5,000 to $100,000, for practically anything you want.

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Be a cash buyer and get your best deal.

We deposit funds directly into your account. This saves you time at the dealer, and gives you the power to negotiate your best deal—from any seller.

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We can fund your loan as soon as the day you apply.
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You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.

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Experience the refreshingly simple LightStream loan.

Check your rate, then apply from your smartphone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000.

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

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 07/01/2024 to 09/30/2024. 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.

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.