Used Auto Loans

Buy Any Used Auto from Any Dealer

Now you can buy any used auto you want - any year, make and model - from any dealer. Introducing LightStream, an online lending division of SunTrust Bank. Get the auto you want with a low-rate used auto loan from LightStream. Only available online.

3 Simple Steps:

  1. Apply and get a response in minutes during business hours with a quick online process.
  2. Electronically sign your loan agreement upon approval.
  3. As soon as today1, have the loan funds deposited directly into your account to purchase your auto!

Whether you qualify for our unsecured loan option, featuring our best rates, or our secured loan option, it will be a quick and easy process from beginning to end. That way you can focus on finding just the right car.

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

Learn More

Lowest rates below are for LightStream's unsecured used 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 3.19% - 3.94% 3.29% - 4.04% 3.39% - 4.14% 4.59% - 5.34% N/A
$10,000 to $24,999 2.19% - 2.94% 2.29% - 3.04% 2.39% - 3.14% 3.59% - 4.34% N/A
$25,000 to $49,999 2.19% - 2.94% 2.29% - 3.04% 2.39% - 3.14% 3.59% - 4.34% 3.79% - 4.54%
$50,000 to $100,000 2.19% - 2.94% 2.29% - 3.04% 2.39% - 3.14% 3.59% - 4.34% 3.69% - 4.54%

Loan Terms

• Excellent and substantial credit required for 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 Documenatry 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 2.89% APR with a term of 5 years would result in 60 monthly payments of $448.00.

Contact Us

To reach 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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