We were approved at 6.84% APR for 60 months (the lowest advertised rate) our Equifax scores were 790 and 771 with $150k in annual income. Pulled credit and that's about it. LightStream, the online lending arm of Truist Bank, offers personal loans that can be used for almost any purpose, including debt consolidation, home improvement, auto … To qualify for the lowest rate, you’ll need to enroll in autopayments to receive a 0.5 percent discount. Many car dealerships offer Wells Fargo auto loans, but are they the best choice for you? LightStream offers personal loans at low-interest rates. Terms: LightStream loan terms range from 24 to 144; months. After several minutes … Click to see Wells Fargo loan terms, interest rates, reviews, and more. The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason. The best rates will go to borrowers with at least five years of credit history and a variety of loan types (including credit cards and installment loans like student loans or auto loans). Keep reading for pros and cons, and LightStream reviews from real customers. LightStream - Unsecured Auto Loan - Approved I wanted to share my experience with LightStream (SunTrust) because of the ease in my application for an unsecured used auto loan. Read our detailed LightStream personal loans review to learn about the interest rates, terms, fees, loan amounts, and more offered by LightStream. LightStream’s auto loans received a 4.88 / 5.00. LightStream was the easiest loan process I’ve ever been through. LightStream offers competitive rates that vary based on the purpose the loan is being used for, and depending upon loan amount, term and credit profile of the applicant. I get an email from LightStream saying I was approved for an $8000.00 loan. As the online lending division of SunTrust Bank, LightStream has the support of one of … SPECIFICATIONS. Another advantage LightStream has over other lenders is the lower-than-average interest rates.. Lightstream is a beautiful, intuitive broadcast studio powered by the cloud. LightStream’s unique lending model has rates that are dependent on the purpose of the loan. LendEDU rates auto loans based on the weighted average of multiple data points, which vary based on the auto loan type. It also offers private-party auto loans, so you don’t necessarily need to by from a dealership. LightStream tops our list of the best personal loans. LightStream provides an especially good choice for borrowers with good credit looking for a hassle-free way to secure an auto loan. That’s why LightStream has reinvented lending. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Time to funding: You can get funding the same business day you apply if you’re approved by … However, to qualify for a LightStream auto loan, you must have adequate income and assets to cover the loan amount plus any other outstanding debt obligations. Even a small reduction in your interest rate could add up to hundreds, or even thousands, of dollars in savings by the time you pay down the loan. LightStream provides the best auto loan service for most users, in 2020. APR range: The APR for this loan is 3.99%; to 19.99% APR. LightStream wants to see a great history of paying your bills on time. This amount can be delivered directly to your bank account, often as soon as the same business day. LightStream has the breadth of loan solutions to cater for almost any borrowing need, but it is as a provider of some of the best auto loans that it really stands out. One of the best ways to research online lenders is by reading third-party reviews. LightStream Pros and Cons . LightStream currently has a Better Business Bureau (BBB) rating of A+, which is an indicator of great customer service. Why we like LightStream’s car loans: LightStream markets its online car loan process as simple and quick. I barely understand him. I have a loan through Lightstream and found the application to be very easy. Studio Powerful cloud-based live streaming … LightStream Personal Loan Reviews. How we rated LightStream auto loans. Though it’s the lending arm of SunTrust Bank (soon to be Truist Bank), its loan offerings are open to anyone in the U.S. LightStream does cater more toward borrowers with excellent credit indicated through the $100,000 borrow limit and credit history requirements. I get someone whos name was supposedly John, by his accent his name wasn't John. However, many LightStream customer reviews show accounts of customers complaining about transparency issues and qualification difficulties. LightStream Personal Loans by the Numbers. If you are still just in shopping mode, try using the BrightRates auto loan comparison feature to find a competitively priced lender without impacting your credit score. Low DTI. Low rates: LightStream loan APRs start at 3.49 percent, which is very competitive. An auto refinance loan is a good idea when it allows you to decrease your monthly payments by lowering your interest rate. The most important factors in acquiring a SunTrust LightStream auto loan are having a good credit score and credit history. LightStream New Car Loans 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. A big benefit of LightStream is its no-fee policy. LightStream also offers a remarkably wide range of auto loan options, including new and used dealer purchases, refinancing, lease buyouts, … They currently extend purchase, refinance, lease buyout, and private party purchase loans ranging from $5,000 to $100,000 for clients with good to excellent credit profiles.