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LightStream auto loan rates

Truist-backed online lender for excellent credit.

From APR
5.99%
Best advertised rate

This is the lowest APR LightStream advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit
670+
FICO score

LightStream advertises its best rates to borrowers with FICO scores around 670 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$5,000+
Up to $100,000

LightStream finances auto loans from $5,000 up to $100,000.

Loan terms
24–84
Months

Pick a repayment term from 24 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's LightStream rates by loan type

Rates shown are the best advertised APRs as of June 15, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 5.99% Compare →
Used car 60 mo 6.29% Compare →
Refinance 60 mo 5.99% Compare →
Lease buyout 60 mo 6.19% Compare →

Pros

  • Same-day funding possible
  • No fees
  • Rate Beat program

Cons

  • 670+ FICO required
  • No pre-qualification
  • Direct-to-borrower only

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