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 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 day prior to loan funding.

    These terms and conditions 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, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured. 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 3.34% APR with a term of 3 years would result in 36 monthly payments of $292.31.

    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 

    © 2018 SunTrust Banks, Inc.

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    SunTrust, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are trademarks of SunTrust Banks, Inc. All rights reserved. All other trademarks are the property of their respective owners.

    Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank, and loans are made by SunTrust Bank.

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