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LightStream auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with LightStream. To apply, visit lightstream.com.

Nationwide · Headquarters Georgia

Rate page on lightstream.com

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.

9.99%NewTerm not listed

NationwideChecked Nov 11, 2026

The source does not assign this APR to a term.

What the lender published

Term not assigned to the as-low-as APR (LightStream loan terms range 24-240 months). Dealer purchase. Excellent credit required; rates without AutoPay are 0.50 points higher. Range 9.99%-17.74% APR with AutoPay. LightStream is a division of Truist Bank.

Checked Nov 11, 2026Source lightstream.com

Calculate payment at 9.99% from LightStreamVisit lender ↗

UsedUsed car rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.

9.99%UsedTerm not listed

NationwideChecked Nov 11, 2026

The source does not assign this APR to a term.

What the lender published

Term not assigned to the as-low-as APR (LightStream loan terms range 24-240 months). Dealer purchase. Excellent credit required; rates without AutoPay are 0.50 points higher. Range 9.99%-17.74% APR with AutoPay. LightStream is a division of Truist Bank.

Checked Nov 11, 2026Source lightstream.com

Calculate payment at 9.99% from LightStreamVisit lender ↗

RefiRefinance rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.

10.24%RefiTerm not listed

NationwideChecked Nov 11, 2026

The source does not assign this APR to a term.

What the lender published

Term not assigned to the as-low-as APR (LightStream loan terms range 24-240 months). Excellent credit required; rates without AutoPay are 0.50 points higher. LightStream is a division of Truist Bank.

Checked Nov 11, 2026Source lightstream.com

Calculate payment at 10.24% from LightStreamVisit lender ↗