LightStream is based in San Diego, CA. It was founded in 2013 and offers auto loans in 50 states (and Washington, DC).
LightStream offers auto loans with APRs starting at 3.59% and up to 12.34%. Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools.
No, LightStream does not charge a loan origination fee.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
No, LightStream will not charge you a late fee.
No, LightStream will not charge you a fee for paying your loan early. Whenever possible choose lenders like LightStream that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
LightStream requires borrowers to have a credit score of at least 680 to apply.
To qualify, applicants may need to provide the following documentation:
LightStream will typically approve (or deny) an auto loan application within 24 hours and fund the loan within 1 business day of approval.
LightStream reports credit data to the following credit reporting agencies: