LightStream
Truist-owned online lender (formerly SunTrust) offering unsecured auto refinance with no age, mileage, or appraisal restrictions.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means LightStream does not publish this on their public site. "No restriction" means LightStream explicitly states no limit.
Overview
LightStream (a division of Truist Bank) offers unsecured personal loans marketed for auto refinance. Because the loan is unsecured, there are no appraisal, age, or mileage requirements on the vehicle.…
What’s great
- Loan amounts $5,000 – $100,000
- No restrictions on vehicle age or mileage
- No fees and no prepayment penalties
- Same-day funding possible if approved before 2:30 p.m. ET on a banking business day
What to know
- Lowest advertised rate requires "excellent credit" — no numeric FICO floor disclosed
- Advertised rates require AutoPay; rates without AutoPay are 0.50 percentage points higher
- Florida loans are subject to a state Documentary Stamp Tax added to the loan amount
- Loan proceeds may not be used to refinance an existing LightStream loan
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 7.99% – 17.99% (with AutoPay; max APR across all loan types is 25.44%) |
| Maximum vehicle age | No restriction |
| Maximum mileage | No restriction |
| Loan amount range | $5,000 – $100,000 |
| Term length | 24 – 240 months |
| States served | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from LightStream's own published materials. Rates, eligibility, and terms can change — verify directly with LightStream before applying.
- [1]Auto Refinance product page (loan amounts, vehicle restrictions, AutoPay & FL doc-stamp disclosure, terms 24–240 months, same-day funding) — LightStream by Truisthttps://www.lightstream.com/auto-refinanceLast checked: September 2026
- [2]Auto Refinance APR disclosure: 7.99%–17.99% APR with AutoPay; max 25.44% — LightStream by Truist — rate disclosurehttps://www.lightstream.com/auto-refinanceLast checked: September 2026