LightStream Auto Refinancing

  • Woman in car looking out window

    • You could save when you refinance your auto loan with SunTrust.

    Refinancing your auto loan with SunTrust could help lower your monthly auto loan payment or help you pay off your auto loan sooner. With a low-interest loan through LightStream, our online lending division, the process is fast and effortless—no fees, no hassle and same day funding is available3.

    • 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 just wanted to thank you for making this process so simple and quick. This is by far, the best experience I've had with any lender - EVER. I can finally see the light at the end of the tunnel thanks to you."

    - J.K. from Orlando, FL

    Apply in 3 easy steps

    • Apply Online

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

    • Accept Loan Agreement

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

    • That's it! Use your loan

      Receive your funds as early as today3.

    Important Information About These Products

    1 LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. The Rate Beat program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. Terms are subject to change at any time.

    2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay 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 4.00% APR with a term of 3 years would result in 36 monthly payments of $295.24.

    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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    Investment and Insurance Products:

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

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