Disclosures
Important information about rates, funding, and programs.
General loan disclosures
Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties. Rates quoted with AutoPay option. Invoicing option is 0.50% points higher. Loan proceeds may not be used to refinance any existing loan with LightStream. Florida loans subject to documentary stamp tax. Stamp tax is NOT included when determining loan interest rate.
APR & rate disclosures
Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Loan terms range from 24–240 months depending on the loan type.
Same-day funding
You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.
Rate Beat Program
The Rate Beat Program may allow eligible applicants to request a rate that beats a competing offer from another lender, subject to verification and program terms. Conditions and limitations apply.
Loan experience
LightStream is committed to an exceptional lending experience for customers with good-to-excellent credit. Guarantees and programs are subject to terms disclosed at the time of application.
Florida documentary stamp tax
Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. The amount of this tax, which is slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan), will be added to your loan amount if your loan request is approved and funded. Stamp tax is NOT included when determining loan interest rate. The tax amount is not included in the quoted APR.