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New car loans don't get any easier than this.

When you have good credit, you can step into a low-interest, fixed-rate loan from LightStream, our online lending division. With loan proceeds deposited in your account as soon as today, you can buy any new car from any dealer, and negotiate your best deal as a cash buyer.

Annual Percentage Rates (APR)

Rates below are shown as ranges because rates vary based on your credit profile. The lowest rates are for LightStream's unsecured loan product and require excellent credit. If your application is approved, your credit profile will determine your rate and whether your loan will be unsecured or secured.

 Loan Term (Months)5
Loan Amount24-3637-4849-6061-7273-84
$5,000 to $9,999 2.99% - 3.99% 3.59%-4.59% 3.79% -4.79% 4.69%-5.69% N/A
$10,000 to $24,999 1.99% - 2.99% 1.99% - 3.29% 1.99% - 3.39% 3.69% - 4.69% N/A
$25,000 to $49,999 1.99% - 2.99% 1.99% - 3.29% 1.99% - 3.39% 3.29% - 4.29% 3.89% - 4.89%
$50,000 to $100,000 1.99% - 2.99% 1.99% - 3.29% 1.99% - 3.39% 3.09% - 4.09% 3.79% - 4.79%

Loan Terms:

  • Fixed rate, simple interest installment loans, no fees or prepayment penalties
  • Loan proceeds may not be used to refinance any existing loan with LightStream
  • Florida loans subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR
  • Rates quoted with AutoPay option. Invoicing option is 0.50 points higher

How it Works...

1. Apply Online

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

2. Accept Loan Agreement

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

3. That's it! Use your loan

Receive your funds as early as today.3

“Thank you. I just wanted to say I appreciate your service and friendly and helpful representatives. You all made this process smooth, easy, and haggle free. I also look forward to doing business in the future.”

— D. K. from Florence, AL


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.

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:


  • 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


  • 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.

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.

5 Payment example: Monthly payments for a $10,000 loan at 1.99% APR with a term of three years would result in 36 monthly payments of $286.38.