LightStream Auto Loan
📍 Available in: US
★★★★★ 4.8 / 5.0
LightStream (a division of Truist) provides unsecured auto loans for borrowers with good-to-excellent credit. Because the loan is unsecured, LightStream does not place a lien on your vehicle title. You receive funds as cash in your checking account, can buy from any private seller, dealership, or auction without mileage caps, and keep the car title free and clear.
Key Facts at a Glance
| APR / Rate | 6.49% - 13.99% (with AutoPay) |
| Coverage / Loan Limit | $5,000 - $100,000 |
| Credit / Eligibility | Excellent (720+) |
| Terms Available | 24 to 84 Months |
| Origination Fee | $0 |
Pros & Cons
✓ Pros
- ✓You hold the title immediately — no bank lien or title paperwork hassles
- ✓Can buy any vehicle, including vintage, custom, or high-mileage cars
- ✓Same-day deposit directly into your checking account
✕ Cons
- ✕Requires excellent credit (720+) and multi-year credit history
- ✕No pre-qualification soft pull option (application triggers a hard inquiry)
Key Features
Unsecured Loan (No Lien on Vehicle Title)No Restrictions on Vehicle Age, Make, Model, or MileageBuy from Private Sellers, Auctions, or Classic Car DealersSame-Day Cash Funding AvailableRate Beat Program (Beats competitors by 0.10%)