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LightStream Auto Refinancing

in Auto Loan Refinancing from SunTrust Bank

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LightStream Auto Refinancing

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in Auto Loan Refinancing from SunTrust Bank

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Highlights
Highlights
Community Rating Strongly recommended
Credit Score Range 700 - 850
APR  (Fixed APR) 3.99% - 8.34%
Loan Term 24 - 84 months
Loan Amount $5,000 - $100,000

LightStream Auto Refinancing Review

LightStream Auto Refinancing is an auto loan refinance offering by SunTrust Bank, a direct lender based in Atlanta, GA. Founded in 1865, SunTrust Bank offers auto refinance loans in 50 states (and Washington, DC).

How much can you borrow via LightStream Auto Refinancing?

Auto refinance loan amounts start at $5,000 and go up to $100,000.

What are the auto loan refinancing rates offered through LightStream Auto Refinancing?

LightStream Auto Refinancing offers a fixed APR auto loan refinancing product that ranges from 3.99% APR up to 8.34% APR. Rate is quoted with autopay discount*.

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

LightStream Auto Refinancing offers auto refinancing with terms ranging from 24 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does LightStream Auto Refinancing charge an origination fee on auto refinance loans?

No, LightStream Auto Refinancing does not charge a loan origination fee for refinancing an auto loan.

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.

Does LightStream Auto Refinancing charge a late fee?

Yes, auto refinance loans via LightStream Auto Refinancing are subject to late payment penalty fees.

Does LightStream Auto Refinancing charge prepayment fees?

No, there is no prepayment penalty.

What are the key eligibility criteria for LightStream Auto Refinancing auto loan refinancing?

Applicants with a credit score of at least 700 can apply for a loan via LightStream Auto Refinancing. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Proof of income

What is the estimated funding time for an auto loan refinance with LightStream Auto Refinancing?

Auto refinance loan applications are typically approved (or denied) within 24 hours and funded within 0 to 30 days of approval.

Does LightStream Auto Refinancing report loan payments to credit bureaus?

LightStream Auto Refinancing may report credit data to the following credit reporting agencies:

  • Equifax
  • Experian
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.
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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Application Fee $0
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $50,000
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $5K - $100K
Loan Term 24 - 84 months
APR (Fixed APR) 3.99% - 8.34%

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