Last Updated: 03/25/2026
LightStream Auto Refinancing
Unaffiliated
in Auto Loan Refinancing from SunTrust Bank
Last Updated: 03/25/2026
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Highlights
Amount Range
APR (Fixed APR)
Credit Score Range
Loan Term (Months)
LightStream Auto Refinancing Review
Key Takeaways
- Good credit required. You will need a credit score of at least 700 to qualify for LightStream Auto Refinancing.
- Refinancing for large loan amounts. You can refinance auto loans of up to $100,000 with LightStream Auto Refinancing.
- Fast funding process. In some cases, you may be able to refinance the loan within one business day.
- Hard credit pull required. You can't check your rates or see if you prequalify for LightStream Auto Refinancing without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- No origination fee. LightStream Auto Refinancing does not charge an origination fee for processing your loan application.
- Long loan terms. LightStream Auto Refinancing offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.
Lightstream auto refinance Pros & Cons
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Lightstream auto refinance FAQ
How much can you borrow via Lightstream auto refinance?
What are the auto loan refinancing rates offered through Lightstream auto refinance?
What is the maximum loan term you can get with Lightstream auto refinance?
Does Lightstream auto refinance charge an origination fee on auto refinance loans?
Does Lightstream auto refinance charge a late fee?
Does Lightstream auto refinance charge prepayment fees?
What do you need to qualify for LightStream Auto Refinancing?
Applicants with a credit score of at least 700 and up to 850 may be eligible for LightStream Auto Refinancing. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- 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 refinance with Lightstream auto refinance?
Does LightStream Auto Refinancing report your account activity to credit bureaus?
- Equifax
- Experian
Does SunTrust Bank perform a hard credit pull?
Is SunTrust Bank a legit company?
LightStream Auto Refinancing 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.
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