Unsecured Loans

LightStream loans for practically anything.

You can finance practically anything with LightStream, our national online lending division. LightStream offers unsecured, fixed-rate loans from $5,000 to $100,000. Want to finance a wedding? Adoption or fertility treatments? A horse or a trailer for your horse? Whatever your dream is, we can help you achieve it.

  • We will beat any qualifying rate from another lender3
  • No fees
  • Same-day funding available4
  • We guarantee your loan experience or $100 is yours1
Kitchen, Pool and Bath Improvements

When you need to spruce up a room or make a splash in the backyard, LightStream loans can get you funded fast. You’re just a few steps away from a renovation, or a summer stay-cation.

Credit Card Consolidation

Gain confidence in your finances by consolidating higher interest debt at a lower rate.

Medical, IVF and Adoption Financing

Whether you dream of building a family or are planning an elective medical treatment, a LightStream loan can help you make it possible.

Auto Loans

Whether you're buying, refinancing or looking to turn your lease into a loan, you can get what you need with a LightStream loan.

Airplane, RV and Boat Loans

You've dreamed about getting that plane, boat or RV for years. Get away from it all in style with a LightStream loan.

Other Unsecured Loans

Your good credit can help you finance practically anything you can think of, with competitive rates and funds as soon as today4.

Important Information About These Products

1 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.

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.

3 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.

4 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.

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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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