Last Updated: 05/13/2026
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Highlights
Amount Range
$5,000 - $100,000
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APR (Fixed APR)
3.99% - 10.49%(Verified 05/13/2026)
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Credit Score Range
700 - 850
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Loan Term (Months)
24 - 84
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LightStream Auto Refinancing Review
Lightstream auto refinance is an auto loan refinance offering by SunTrust Bank, based in Atlanta, GA. Founded in 1865, SunTrust Bank offers auto refinance loans in 50 states (and Washington, DC).
Key Takeaways
- Lease buyouts. Offers refinancing to buyout an expensive lease or purchase a company car.
- 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?
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 refinance?
Lightstream auto refinance offers a fixed APR car loan refinancing product that ranges from 3.99% APR up to 10.49% APR. Rate is quoted with autopay discount*.
What is the maximum loan term you can get with Lightstream auto refinance?
Lightstream auto refinance 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 refinance charge an origination fee on auto refinance loans?
No, Lightstream auto refinance does not charge a loan origination fee for refinancing a car 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 refinance charge a late fee?
Yes, auto refinance loans via Lightstream auto refinance are subject to late payment penalty fees .
Does Lightstream auto refinance charge prepayment fees?
No, there is no prepayment penalty.
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. LightStream Auto Refinancing 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 Auto Refinancing.
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 refinance with Lightstream auto refinance?
Auto refinance loan applications are typically funded within 0 to 30 days of approval.
Does LightStream Auto Refinancing report your account activity to credit bureaus?
Yes, LightStream Auto Refinancing 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 refinance 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.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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...
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.
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LightStream Auto Refinancing Community Reviews
Would you recommend LightStream Auto Refinancing to your friends?
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Anonymous
Feb 2, 2018
May or may not recommend
Applied for a loan for home renovations. The process was easy and smooth. Everything was done online, and I received my money within a matter of days. Low-interest rates based on your creditworthiness. I would highly recommend Light Stream.
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