LightStream Boat Loan

Make waves with a boat loan that puts you in the captain’s seat.

LightStream, our online lending division, offers unsecured, fixed-rate loans from $5,000 to $100,000 towards any size boat and boat related expenses.

  • We will beat any qualifying rate2
  • We guarantee that your LightStream loan experience with us will be your best ever, or $100 is yours3
  • Same-day funding available4
  • No fees

“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

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 today4.

Important Information About These Products

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 5.00% APR with a term of 3 years would result in 36 monthly payments of $299.71.

2 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.

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.

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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