About Us

Consider the possibilities with a LightStream loan

An Online Consumer Lending Division of SunTrust Bank

Welcome to LightStream! We are a national online consumer lending division of SunTrust Bank, the flagship subsidiary of SunTrust Banks Inc., one of the nation’s leading financial services companies.

We believe that consumers who have established good credit have earned the right to a simple loan process and excellent rates.

LightStream delivers a revolutionary loan experience that allows customers to focus on their purchase, rather than on their financing. With our innovative lending products and proprietary technology, consumers with strong credit profiles can receive highly competitive, fixed rate financing via an easy, fast and virtually paperless loan process. From the convenience and comfort of their computer or mobile device, customers can apply, be approved, sign their loan agreement and receive their funds, as soon as the same day of their application.†

Our customers tell us it’s quite amazing! And we’re so confident of our loan process that we provide a $100 guarantee that your loan experience will be your best, ever.
Consider the possibilities…Finance your home improvement projects even if you don't have equity in your home or prefer not to use it. Purchase any auto and have the power to negotiate as a cash buyer. Refinance existing loans at a better rate. Finance an engagement ring, wedding celebration and a honeymoon! Plan a family. Pay Pre-K through Grade 12 private school tuition. Buy the timeshare you’ve dreamt about. Take off on your boat, RV or motorcycle to places you’ve always wanted to go.
With a LightStream loan, it's as easy as 1-2-3!

We are LightStream, a division of SunTrust Bank, and we are changing the game in online consumer lending.
For individuals with strong credit profiles, we extend competitive, fixed-rate financing via an easy, fast and entirely paperless loan experience. From your mobile device, you can apply, be approved, sign your loan agreement, and receive funds, as soon as the same day of your application.†
Now you can focus on your purchase, rather than your financing.

"Just wanted to let you know what an outstanding and seamless loan process you have. Not only did you have the best rate, but also the easiest loan application I have ever seen. Thanks again for the awesome experience."
- J. H. from Nacogdoches, TXRead more...

* The APR listed is for an unsecured dealer used auto loan between $10,000 and $24,999 with a term between 24 and 36 months for applicants with excellent credit. 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.

At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.

In addition, for every loan that we fund for our customers,
we will have a tree planted in one of our country's fragile habitat communities currently under restoration.

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