See RatesSecure site · Updated July 2026
- Starting APR
- 6.49%
- Loan amount
- $5K–$100K
- Min. credit score
- 660
- Term range
- 24–84 months
Why it stands out
LightStream highlights
- No origination, prepayment, or late fees on any loan
- Finance new, used, private-party, or lease-buyout deals alike
- Same-day funding when approved before the afternoon cutoff
- Rate Beat program undercuts a competing offer by 0.10%
The verdict at a glance
Pros and cons
Pros
- Among the lowest auto APRs available anywhere
- No restrictions on vehicle age, mileage, or make
- Funds sent straight to you, so you shop like a cash buyer
Cons
- No pre-qualification, so checking your rate means a hard pull
- Reserved for borrowers with years of established credit
Our full review
Our take on LightStream
A division of Truist, LightStream funds new, used, and private-party purchases with no fees, no mileage or age limits on the car, and rates that routinely undercut the field. It rewards a solid credit history rather than the age of the vehicle.
Advertiser disclosure: Finmatchly may earn a commission when you visit a partner. This never affects our editorial rankings. Learn more
Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on LightStream’s own site before you apply.
The alternatives
How LightStream compares
Other top-rated lenders in Auto Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Starting APR | Best for | |
|---|---|---|---|---|---|
| 1 | myAutoloan | 6.79% | Buyers who want to compare multiple offers fast | Compare Offers | |
| 2 | Auto Approve | 5.24% | Owners cutting the payment on a current loan | Get Quote | |
| 3 | Capital One Auto Navigator | 7.15% | Shoppers who want a pre-qualified budget first | View Offer | |
| 4 | Carvana | 7.90% | Buyers who want car and loan in one place | Visit Site |
- myAutoloan4.7Best for Buyers who want to compare multiple offers fast
- Auto Approve4.6Best for Owners cutting the payment on a current loan
- Capital One Auto Navigator4.5Best for Shoppers who want a pre-qualified budget first
- Carvana4.3Best for Buyers who want car and loan in one place