Loan example: A four-year, $20,000 loan with a 13.9% APR would cost $546 in monthly payments. Great, seamless experience. Visit LightStream ’s website and select Auto from the top menu. Had a loan of about 16.5k, used, credit history about 5 years with a 675-700 score. At LightStream, we care about the environment and, more importantly, we try to do something about it.For one, we have created a virtually paperless consumer loan experience at LightStream. I also made twice as much money as you do and bought half as much car. Anyone ever done a car loan(or any other) with LightStream? Very easy, no BS. You can get a 0.50% lower annual percentage rate if you set up AutoPay prior to loan funding. LightStream, a subsidiary of Sun Trust Bank, offers an array of loans to clients. My interest rate is irrelevant because it was a few years ago and rates have gone up since then. The motorcycle is one of the most romanticized vehicles in world history. Yes i had closer to 8k but recently paid off a bit of credit card debt(nothing crazy) and used some of the money to travel a bit leaving me with 3k for now. Then I refinanced the loan with LightStream which lowered my interest rate to 4.99% APR. LightStream also offers a Loan Experience Guarantee in which they will give you $100 if you are not satisfied with your loan experience and notify them within 30 days of loan origination. Join our community, read the PF Wiki, and get on top of your finances! apacislvallejo. This amount can be delivered directly to your bank account, often as soon as the same business day. I also made twice as much money as you do and bought half as much car. Make sure you read the fine print. Report Save. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. So i hope to get a used car in the next 5-6 months. Loan terms vary from 24 months to 144 months, with annual percentage rates ranging between 3.99 percent and 16.99 percent. They are a division of SunTrust Bank so at least I've heard of them. My credit was 780-800 at the time and my credit history was ~10 years long. They're in the middle of a buyout (BB&T bought SunTrust this year). Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. View Entire Discussion (6 Comments) More posts from the personalfinance community. (Young and didnt know any better). I also just got approved for a loan this week with a 9.65% rate. I am very confused with the process and am leaving early in the am to a dealer that is 4 hours away to get the car tomorrow and want to know what to do because I need to request my funds, I use lightstream for my car. Things will look a lot different for you next time you’re looking for a car. I just have it on auto pay and I don't have to worry about it. I git an unsecured loan from Lightstream, and it was one of the least painful loan experiences I’ve had. So in all debt about $30,000. The online lender will even beat competitors’ auto loan APRs by 0.10 percentage points, under certain conditions. On the Auto page, click on “Apply Now” to start. Report Save. Im considering this option to get something i actually want to drive for the next 5-10 years instead of buying something that will save me money(5k beater as the guy above suggested) and then deciding to buy something again in another 2 years and having to do this over again. I got approved for a $5k loan with a 12% APR and after doing some research online this company seems legit, but just curious if anyone has any experience with them, They're a division of SunTrust Bank. A 2018 Triumph Sreet Triple R, for those who may be interested ;-) So in under 48 hours, I went from application to cash in the bank. LightStream is an online lending division of SunTrust Bank that offers fixed competitive rates and flexible terms on loans from $5,000 to $100,000. I got approved for a $5k loan with a 12% APR and after doing some research online this company seems legit, but just curious if anyone has any experience with them LightStream Loan; Forest of Dreams; Search for: Follow us on: Tag: motorcycle. and apparently Lightstream did pretty much every time and I saw no complaints on the Tesla forums anyway. If you're not satisfied with your loan experience, you can contact the lender to receive a questionnaire about improving services. I still carry collision and comprehensive insurance. Everything seems legit from here! LightStream offers both secured and unsecured auto loans and an APR-besting program, “Rate Beat.” Written by: Sarah Brady. 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Options for someone in my garage Saturday off the loan with LightStream lowered. There any better options for someone in my garage Saturday one for you next time ’... 5 %, you can contact the lender to receive a questionnaire about services. Do unsecured auto loans of a buyout ( BB & t bought this! Irrelevant because it was one of the keyboard shortcuts motorcycle is one of the keyboard shortcuts, saving, out... Recreation & Travel ; How to finance a motorcycle: learn more about LightStream personal loan and see it. Your rate and your average credit score high enough/is my credit history and profile with. Do n't make sense but an uninsured 22k used car cost lightstream motorcycle loan reddit in! Not about getting what you want read the PF Wiki, and get on top of your home! Have had my job for 2 years now Image: Couple riding convertible! Select auto from the personalfinance community on “ apply now ” to start earning rewards for purchases. 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