Consumers who have established good to excellent credit have earned the right to a simple loan process and excellent rates. We’re LightStream, the national online consumer lending division of SunTrust Bank, one of the nation’s leading financial services companies. Our revolutionary loan experience allows good-credit consumers to focus on their purchase, rather than on their financing.
Consumer loans from LightStream
- Choose your loan amount, from $5,000 to $100,000.
- Get a low rate, from 1.99% to 9.99% APR with AutoPay, depending on loan purpose.
- Pay NO FEES or prepayment penalties
- Fund your loan as fast as the same day you apply.1
- Experience your best loan ever, or we’ll give you $100.2
- Purchase almost anything you want with your LightStream loan — or refinance your high-interest credit cards or other unsecured loans.3
There is no single definition for “excellent credit.” However, we find that individuals with good to excellent credit usually share the following characteristics:
- Several years of credit history.
- A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable.
- A good payment history with few, if any, delinquencies or other problems repaying debt obligations.
- An ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and manageable revolving credit card debt.
- Stable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.
©2015 SunTrust Banks, Inc. SunTrust and LightStream are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners. Lending services provided by SunTrust Bank, member FDIC.
*Your APR may differ based on loan purpose, amount, term, and your credit profile. Rates are quoted with AutoPay repayment option. 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.
1You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.
2After receiving your loan from us, and within 30 days, if you are not completely satisfied with your experience, please contact us and we will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Limited to one $100 payment per funded loan. SunTrust and LightStream employees are not eligible for the Loan Experience Guarantee.
3Loan proceeds may not be used to refinance any existing loan with LightStream.