Now that you've decided to set sail on a new or used boat, it's time to consider your financing options. There are multiple loan options to choose from, depending on the size and cost of your boat. Explore your options and get underway with the loan that fits your needs today.
“Thank you very much for making our loan application a very enjoyable experience. We have never dealt with any business that has been as professional and efficient as this process has been. Getting the loan has been so much easier than dealing with the boat dealerships. Most seem to not care whether they sell a boat or not, and that is not the case with your organization. You’re NUMBER 1! You put your customers first. I’m not too proficient with the computer, but your instructions were easy to follow. Thanks again!”
—D.B. from Westminister, SC
|What can you use this loan for?||Use the loan for any boat and all its related expenses.|
|Loan Amount||$5,000 to $100,000|
|Interest Rate||As low as APR1 with AutoPay|
|Loan Term (months)||24 to 84 months*|
|How to Apply||Complete online process: application to funding|
|Access to Funds||Same day funding available4|
|Unsecured vs. Secured||Unsecured. Boat not used as collateral.|
|Conditions||Loan proceeds may not be used to refinance any existing loan with LightStream.|
|What can you use this loan for?|
|Use the loan for any boat and all its related expenses.|
|$5,000 to $100,000|
|As low as APR1 with AutoPay|
|Loan Term (months)|
|24 to 84 months*|
|How to Apply|
|Complete online process: application to funding|
|Access to Funds|
|Same day funding available4|
|Unsecured vs. Secured|
|Unsecured. Boat not used as collateral.|
|Loan proceeds may not be used to refinance any existing loan with LightStream.|
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 today4.
Important Information About These Products
1 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. 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 5.00% APR with a term of 3 years would result in 36 monthly payments of $299.71.
2 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.
These terms and conditions are subject to change at any time.
3 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.
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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