New Auto Loans

Buy Your New Auto as Soon as Today

Are you ready to buy a new car today? Introducing LightStream, an online lending division of SunTrust Bank. Now you can have the funds you need to buy that car deposited right into your account as soon as today1 with a LightStream auto loan. Exclusively online.

Easy as 1-2-3:

  1. Apply online in minutes, and get a response in minutes during business hours.
  2. Once approved, e-sign your loan agreement.
  3. Have the money for your vehicle in your bank account as soon as today1 to make your purchase!

Whether you receive our innovative unsecured loan that does not require any lien or titling paperwork or our secured alternative, it will be a simple and quick process from start to finish. That way, you can focus on your new auto purchase, not the financing.

In fact, we're so confident this will be your best loan experience yet, that we guarantee it. Or $100 is yours.2

Lowest rates below are for LightStream's unsecured new auto loan. If your application does not qualify, you may be eligible for our secured auto loan. Rates may vary based on your credit profile.

Current Annual Percentage Rates (APR)

Loan Term (months)3
Loan Amount 24-36 37-48 49-60 61-72 73-84
$5,000 to $9,999 2.99% - 3.74% 3.19% - 3.94% 3.29% - 4.04% 4.59% - 5.34% N/A
$10,000 to $24,999 1.99% - 2.74% 2.19% - 2.94% 2.29% - 3.04% 3.59% - 4.34% N/A
$25,000 to $49,999 1.99% - 2.74% 2.19% - 2.94% 2.29% - 3.04% 3.19% - 3.94% 3.79% - 4.54%
$50,000 to $100,000 1.99% - 2.74% 2.19% - 2.94% 2.29% - 3.04% 2.99% - 3.94% 3.69% - 4.54%
Loan Terms

• Excellent and substantial credit required for the lowest Lightstream rate

• 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


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 (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.

2After 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.

3Payment Example: Monthly payments for a $25,000 loan at 2.79% APR with a term of 5 years would result in 60 monthly payments of $446.89.

Contact Us

To contact a LightStream Representative

Securities, Investment and Insurance Products and Services:

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

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