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Last Updated: 03/06/2026

LightStream New Car Loans

in Auto Loans from SunTrust Bank

Last Updated: 03/06/2026

LightStream New Car Loans logo
Mostly not recommended21 total votes
9 users recommend
1 users are unsure
11 users don't recommend
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Highlights

Community Rating

Mostly not recommended

Amount Range

$5,000 - $100,000
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APR (Fixed APR)

2.99% - 11.89%(Verified 03/06/2026)
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Credit Score Range

660 - 850
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Loan Term (Months)

24 - 144
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Number of Reviews

21
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LightStream New Car Loans Review

LightStream New Car Loans is offered by SunTrust Bank, a bank founded in 1865 and based in Atlanta, GA. LightStream auto loan are available in 50 states and Washington, DC.

LightStream auto loan FAQ

How much can you borrow via LightStream auto loan?

LightStream auto loan loan amounts start at $5,000 and go up to $100,000.

What APR does LightStream auto loan offer on its car loans?

LightStream auto loan offers a fixed apr car loan product that ranges from 2.99% APR up to 11.89% APR. Rate is quoted with autopay discount*.
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 inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with LightStream auto loan?

LightStream auto loan has car loans with terms ranging from 24 to 144 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does LightStream auto loan charge an origination fee?

No, LightStream auto loan does not charge a loan origination fee.
An auto loan origination fee is what some lenders charge for processing an auto loan application and funding an auto loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does LightStream auto loan charge a late fee?

No, LightStream auto loan will not charge you a late fee.

Does LightStream auto loan charge prepayment fees?

No, LightStream auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like LightStream auto loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my LightStream auto loan loan?

Yes, you can. LightStream auto loan does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for LightStream New Car Loans?

Applicants with a credit score of at least 660 and up to 850 may be eligible for LightStream New Car Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
LightStream New Car Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by LightStream New Car Loans.
To qualify, applicants may need to provide the following documentation:
  • Applicants must have an active and valid personal checking account
  • Recent pay stubs
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via LightStream auto loan?

LightStream auto loan will typically fund the car loan within 30 business days of approval.

Does LightStream New Car Loans report your account activity to credit bureaus?

Yes, LightStream New Car Loans reports to the following credit bureaus:
  • Equifax
  • Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does SunTrust Bank perform a hard credit pull?

Yes, LightStream auto loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Is SunTrust Bank a legit company?

SunTrust Bank was founded in 1865, it is a well-established company that has been in business for 161 years. LightStream New Car Loans is mostly not recommended by SuperMoney community users.

LightStream New Car Loans Disclosure: * 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 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 may be higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Extended loan terms (85-144 months) are only available for home improvement purposes, for loan amounts higher than $25K. Payment example: Monthly payments for a $10,000 loan at 4.99% APR with a term of 3 years would result in 36 monthly payments of $299.66.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

LightStream New Car Loans logo

Message from LightStream auto loan

What gets you out of bed in the morning? Your answer is a reflection of who you are, what you value, where you want to go in life — and playing a role in helping you take on that challenge and achieve your aspirations is what we love most about our purpose as SunTrust teammates. We’ve helped musicians in Nashville hit the right notes in getting their careers started, family businesses grow and go multinational, and newlyweds start their life together by financing their first home. Our purpose, Lighting the Way to Financial Well-Being, takes many forms, but put simply: whatever drives your purpose at whatever stage of life—we’re here to help you live it, every day.

Drive the car you want. You’ve earned it. And your best loan ever, guaranteed. You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply. LightStream deposits funds directly to your account, which saves time at the dealer, and gives you the power to negotiate a better deal with any dealer or private seller.

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What We Love About LightStream Auto Loans

LightStream offers a variety of auto loan choices for new and used vehicles. It also provides loan refinancing, lease buyouts, and options for purchasing and refinancing motorcycles. For consumers with excellent credit, it provides a fast online loan process with competitive rates and no fees. These loans require no down payment and fast funding with no restrictions on the type of vehicle being purchased.

What Could LightStream Do Better?

Getting approved for a LightStream auto loan can be difficult since the approval requirements are strict. Only individuals with excellent credit will get the best terms and rates while applying results in a hard inquiry on your credit report. Customers need to have a MasterCard or Visa to receive a loan and the only means of customer service is by sending an email.

LightStream Backstory

As the online consumer lending division of SunTrust Bank, LightStream offers lending options to customers across the United States. This company provides loans for a variety of purposes, such as purchasing automobiles, buying recreational vehicles, and making home improvements. LightStream also provides refinancing options for automobiles and motorcycles.
LightStream focuses on offering a streamlined and simple method for getting loans for people with excellent credit scores. Among those who meet their stringent requirements, the loan rates are often competitive. Both secured and unsecured loans are available for those who meet the application requirements. One of the most unique aspects of LightStream is its commitment to plant a tree for each loan that is funded.

The Verdict

LightStream could be a reasonable choice for some consumers, specifically those with excellent credit who have a Visa or MasterCard credit card. However, those with lower credit scores will likely not meet the requirements for a LightStream auto loan. It’s also worth being aware that the hard inquiry on your credit can also cause issues for some applicants.
The best option for those who may qualify for LightStream auto loans is to look into all your options first. There may be other companies with better rates and less strict

Contact

Headquarters

303 Peachtree Street, Northeast
Atlanta, GA 30308
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Hours of Operation

Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day

Other Services by SunTrust Bank