Used Auto Loans from a Dealer

Rates as low as
1.99%1 APR with AutoPay

You can buy any used auto you want - any year, make and model - from any dealer, with a used auto loan from LightStream, our online lending division. You can also obtain a loan to purchase a used car from a private party. When you have good to excellent credit, LightStream rewards you with a great rate.

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

"Just wanted to thank LightStream for helping me fulfill a lifetime dream of owning a collector car. I now have the car of my dreams and can't thank you enough for making it happen. Your service is awesome and I am already recommending you to my friends, and the dealer I bought the car from. An overjoyed 69 Camaro owner."

- R.P. from Mount Bethel, Penn.

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 a used auto loan. 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 LightStream loan, LightStream may offer you a secured new/used auto 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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