Features

Where does LightStream do business?

LightStream isa direct lender based in San Diego, CA. It was founded in 2013 and offers auto loan refinancing in Washington, DC and 50 states.

What are LightStream’s auto loan refinancing rates?

LightStream offers refinance loans with APRs starting at 3.09% and up to 8.44%.

What is the maximum loan term for a LightStream refinance loan?

LightStream offers auto refinancing loans with terms of up to 84 months.

Does LightStream charge an origination fee?

No, LightStream does not charge a loan origination fee. .

What is LightStream’s eligibility criteria?

LightStream requires borrowers to have a credit score of at least 680 to apply.

To qualify, applicants must provide the following documentation:

- Driver license

- Proof of citizenship or residence permit

- Recent pay stubs

- Recent bank statements

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

LightStream will typically approve (or deny) a loan application within 24 hours and fund it the same day the loan application is approved.

 

  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • APR
    3.09% - 8.44%
  • Max Loan Term (Months)
    84
  • Credit Score Range
    680 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Recent bank statements
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Origination Fee
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
    24
  • Deferred Payments
  • Funding Time
    Same day
  • Credit Bureau Reporting
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 APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 2.19% APR with a term of 3 years would result in 36 monthly payments of $287.26.
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