No, you can’t borrow more than your current car loan’s balance when you refinance through LightStream. We may receive payment from our affiliates for featured placement of their products or services. In addition, LightStream’s Rate Beat program could offer a rate of 0.1% than what competitors are offering. Most loan terms stretch up to 72 months, although there are 84-month terms available for loans over $25,000. How we rated LightStream auto loans. To start LightStream’s application, click See your rate or go to its website. Click here for important disclosures about LightStream rates, same day funding, Rate Beat Program and $100 Loan Experience Guarantee. You must show that you’ve been approved by a lender for a lower rate and meet other eligibility criteria before LightStream will beat the competitor rate. LightStream offers fixed-rate loans ranging from $5,000 up to $100,000 and guarantees the lowest APR percentages, or they’ll beat the competition by 0.10%. Low rates and a big selection of loan options make it a major competitor in the auto loan landscape. LightStream is one of the few lenders that offers same-day funding, making it a great choice if you need funding fast. The Rate Beat Program excludes secured … A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. To qualify for a loan, you’ll need to meet a few basic requirements. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Mecum Auctions teams up with LightStream to help customers finance the classic vehicle of their dreams. It also has a small mixed bag of reviews on Trustpilot that veer negative. LightStream doesn’t offer prequalification. Combined with its relatively high loan amounts, this makes LightStream good choice for buying antiques or exotic vehicles. You will also need to enter information about your income and budget, then create an account with LightStream. If you provide evidence that another lender has approved you for a … You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances, 32 East 31st Street, 4th Floor, Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Click here for important disclosures about LightStream rates, same day funding, Rate Beat Program and $100 Loan Experience Guarantee. LightStream offers personal loans at low-interest rates. We analyze top loan providers and rate them one to five stars based on factors that are most important to you. Lightstream received the highest score in the personal loan segment of the J.D. Optional, only if you want us to follow up with you. LightStream’s personal loans have fixed-rate APRs ranging from 2.49% to 20.49%, depending on your credit profile, assets, income, how you’ll use the money, and if you sign up for autopay. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. LightStream offers both refinancing and lease buyouts. The online lender will even beat competitors’ auto loan APRs by 0.10 percentage points, under certain conditions. 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. As is the case with new and used car loans, LightStream will beat any competitor rate by 0.10% as long as it meets the approval criteria. This stage does come with a hard credit check with the three credit bureaus (Experian, Equifax, and Transunion), however, and there is no pre-approval process for prospective customers. LightStream is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, partners, advertisers, products or services that are offered or expressed on third-party Web sites. There's a sweet spot for the money. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Rate is quoted with AutoPay discount. This stage does come with a hard credit check with the three credit bureaus (Experian, Equifax, and Transunion), however, and there is no pre-approval process for prospective customers. Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income. And while nothing has changed, you may notice different rates, loan terms and requirements going forward. The privacy policy, level of security or accessibility standards may differ from ours. But as with all loans, preapproval never guarantees your application will be accepted. ET, you may receive funding on the same day you apply. LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding.