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LightStream auto loan rates

Truist-backed online lender for excellent credit.

Visit LightStream Calculate payment
From APR
5.99%
Best advertised rate
Min credit
670+
FICO score
Loan amount
$5,000+
Up to $100,000
Loan terms
24–84
Months

Today's LightStream rates by loan type

Rates shown are the best advertised APRs as of May 1, 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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