Auto Loan Refinancing

Rates as low as
1.99%1 APR with AutoPay

Want to lower your monthly car payment? When you have good to excellent credit you could qualify for a low-interest, fixed-rate loan from LightStream, our online lending division. Refinance your car loan now!

The LightStream loan process is as easy as 1-2-3:

  1. Apply online and get a quick response during business hours.
  2. Once approved, e-sign your loan agreement.
  3. Have the money in your account as soon as today!2

We guarantee that this will be the best loan experience you've ever had - if not we'll give you $100.3

"Your service was extremely easy and the funds were transferred early on the day of funding. Everything went so well..."

- F.S. from San Luis Obispo, Calif.

Current Annual Percentage Rates (APR)

Rates for each loan amount and term combination are shown below as a range because rates vary based on your credit profile. The lowest rates are for excellent and substantial credit.

Loan Term (months)4
Loan Amount24-3637-4849-6061-7273-84
$5,000 to $9,999 3.19% - 4.19% 3.39% - 4.39% 3.49% - 4.49% 4.69% - 5.69% N/A
$10,000 to $24,999 1.99% - 2.99% 2.39% - 3.39% 2.49% - 3.49% 3.69% - 4.69% N/A
$25,000 to $49,999 1.99% - 2.99% 2.39% - 3.39% 2.49% - 3.49% 3.29% - 4.29% 3.89% - 4.89%
$50,000 to $100,000 1.99% - 2.99% 2.39% - 3.39% 2.49% - 3.49% 3.09% - 4.09% 3.79% - 4.79%

Loan Terms:

  • Fixed rate, simple interest installment loans, no fees or prepayment penalties
  • Rates quoted with AutoPay option. Invoicing option is 0.50 points higher
  • Loan proceeds may not be used to refinance any existing loan with LightStream
  • Florida loans subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR

1The APR listed is for an unsecured loan between $10,000 and $100,000 with a term between 24 and 36 months for the purpose of auto loan refinance. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay repayment option. Rates under the Invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. If your application does not qualify for the unsecured AnythingLoan, LightStream may offer you a secured auto refinance loan with a rate that is the same or higher based on your credit profile.

2You 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 (11:30 a.m. Pacific 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.

3After receiving your loan from us, and within 30 days, if you are not completely satisfied with your experience, please contact us and we will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Limited to one $100 payment per funded loan. SunTrust and LightStream employees are not eligible for the Loan Experience Guarantee.

4Payment Example: Monthly payments for a $25,000 loan at 2.49% APR with a term of 5 years would result in 60 monthly payments of $443.57.

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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