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Keep the car you've got with great rates on an Auto Lease Buyout loan.

Your auto lease is up, but you still love your car. With a loan through LightStream, our online lending division, the process is virtually paperless and completely online, so it is easy to apply and get your funds as soon as the same day3.

  • We will beat any qualifying rate from another lender1
  • We guarantee that your LightStream loan experience with us will be your best ever, or $100 is yours4
  • Same-day funding available3
  • No fees

"I want to thank you for the auto loan. Mostly I want to comment on how very easy your entire process was for me to apply, secure and disperse the loan. Couldn't have been any simpler or smoother. Thank you very much."

— P. B. from Woodstock, CT

  • What can you use this loan for?
  • Loan Amount
  • Interest Rate
  • Loan Term (months)
  • How to Apply
  • Access to Funds
  • Fees
  • Unsecured vs. Secured
  • This loan allows you to finance the purchase of the car you have been leasing.
  • $5,000 to $100,000
  • As low as 2 APR with AutoPay
  • 24 to 84 months*
  • Complete online process: application to funding
  • Same day funding available3
  • No fees
  • Your credit profile will determine whether your auto loan will be unsecured or secured.

Apply in 3 easy steps

  • Step 1

    Apply Online

    You will receive a response shortly (during business hours).

  • Step 2

    Accept Loan Agreement

    Once approved, e-sign your loan agreement and set up your loan for funding.

  • Step 3

    That's it! Use your loan

    Receive your funds as early as today3.

Important Information About These Products

1 We are so confident in the competitiveness of our interest rates that we will beat an interest rate (APR) presented by any other lender by .10 percentage points, if the other lender's rate meets the terms and conditions described below:

Terms:

  • The lender's interest rate (APR) must not be supported by any third-party arrangements such as vehicle manufacturer subvention payments (with rates as low as 0.0% APR), other manufacturer discounts, rate buy-downs by car-buying services, or any other similar third-party subsidized rate offerings.
  • The lender's interest rate offer must be generally available to all of its customers that share a similar credit risk profile (so that employee discount programs or other special, limited lending programs would not qualify)
  • LightStream will offer a rate that is .10 percentage points below the specific rate offered by a competing lender.

Conditions:

  • The interest rate (APR) must be for the same loan amount, loan term, loan purpose and payment method (auto debit or invoice) that are being offered by LightStream. The offer applies to fixed-rate loans only. Variable-rate loans do not qualify.
  • You need to be approved for the other lender's interest rate (APR)
  • If requested by us, you will need to supply LightStream with evidence, to its satisfaction, that the other lender’s interest rate (APR) meets the Rate Beat program terms and conditions described here. This could include an approval letter, loan document containing the APR, or other documentation that LightStream finds sufficient.
  • This offer expires if the terms and conditions are not satisfied prior to 2 p.m. Eastern time on the business days prior to loan funding.

These terms and conditions are subject to change at any time.

2 Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. 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.

* Payment example: Monthly payments for a $10,000 loan at 3.29% APR with a term of 3 years would result in 36 monthly payments of $180.98.

3 You 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.

4 After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.

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