LightStream Auto Review

LightStream Auto

4.2

APR range	6.49% – 20.49%
Loan amount	$5,000 – $100,000
Term	2 yrs – 7 yrs
Min credit score	700
Fees	3 fee types
Rating	4.2 / 5

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LightStream auto loans are unsecured and include a 0.50% discount with autopay. Rates valid as of May 2026; actual rates depend on creditworthiness and loan term.

Pros

No restrictions on vehicle (new, used, or type)
Same-day funding possible
No origination or prepayment fees
0.50% APR discount with autopay

Cons

Requires good to excellent credit
Unsecured loans may limit max amount
Lower APRs for excellent credit only

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