LightStream Loan

The LightStream Loan

What if arranging financing was so simple, you could focus your attention on buying the things you want, rather than the process of getting a loan?

That’s the lending experience LightStream has created. We’re the online lending division of SunTrust Bank. We believe that when you’ve earned a good credit record by carefully managing your own money, you’ve earned the right to be rewarded with a better loan experience.

When you apply for a LightStream loan, you can expect:

  • A simple online application. Applying takes just minutes, and you get a quick response during business hours. There are no appraisals, paperwork, or fees! You can borrow up to $100,000 and have funds delivered to your bank account, as soon as the same day you apply.1
  • Competitive rates. LightStream is confident that we can compete with any loan provider. We have fixed-rate loans, no fees, and our Rate Beat Program.2
  • The best loan process you’ve ever had. If it’s not, you can take us up on our $100 Loan Experience Guarantee.3

How to get a LightStream loan

Traditionally, the process of getting a loan meant completing a lot of paperwork, and then waiting for a decision. It could be a long and cumbersome process.

We’ve invented a better way. Apply for a LightStream loan, anytime, anywhere, from your smart phone, tablet or desktop.

Once you’re approved, what can LightStream funds be used for? That’s up to you. Shop like a cash buyer for any product or service associated with your loan purpose. For example, with a home improvement loan, you can have your new kitchen built with the contractors you select, using the products and finishes you choose. Purchasing a car? Buy any new, used or classic vehicle from any dealer or individual. There are no year, make, model or mileage restrictions.


The LightStream loan is lending uncomplicated. Now, if only the decisions about what to buy were as easy…